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Home My WebLink About11-0193SKLAR ~ MARKIND By: Lloyd S. Markind ~` ~ , ,-.. ~, ~ ~. „~ LD. No. 52507 ~ ' - ~- ~ ~ 102 Browning Lane Building B, Suite 1 ~ ~- ~ I ~ ' '-: # ~ ~ r,~ t# ; ~ -~ Cherry Hill, NJ 08003 File No.: A1000653 ^ ,'°``r r'~ ~ r~ {, +-,i, ,. ,; f- ~ two :,~ ~ ~..'.~, i;~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW AMERICAN EXPRESS CENTURION BANK No. ~ J_ l93 ~, y, ~ Plaintiff vs. MARY WENTWORTH Defendant CIVIL ACTION NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice aze served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Baz Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientas, usted tiene veinte (2) dies de plazo al partir de la fecha de la demanda y la notificaion. Hace falta asentaz una compazencia escrita o en persona o con un abogado y entregaz a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomaza medidas y puede continuer la demanda en contra rya sin previo aviso o notificaion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL A LA OFICINA CUY A DIRECION SE ENCUENTRA ESCRITA ABAJO PARR AVERGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 ~d ~~a ~ ~ ~C.~ I a 3a ~ c~53z/~~ i Lloyd S. Mankind, Esquire (ID#52507) Francis J. Skinner, Esquire (ID#80562) Sklar -Mankind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 Attorneys for Plaintiff FILE NO.: A1000653 IN THE COURT OF COMMON PLEAS OF CUMBERLAND-PA COUNTY, PENNSYLVANIA CIVIL ACTION -LAW AMERICAN EXPRESS CENTURION BANK I c/o SKLAR ~ MARKIND I No. 102 BROWNING LN BLDG B-1 I CHERRY HILL, NJ 08003 I i Plaintiff(s) I I CIVIL ACTION I ~• I COMPLAINT I MARY WENTWORTH I 111 POPLAR ROAD I NEW CUMBERLAND PA 17070 I I Defendant(s) I Parties. Jurisdiction and Venue 1. Plaintiff is AMERICAN EXPRESS CENTURION BANK , a corporation engaged in the business of providing consumer credit. 2. Defendant is MARY WENTWORTH ("WENTWORTH"), an adult individual, currently residing at 111 POPLAR ROAD, NEW CUMBERLAND PA 17070. 3. Plaintiff provided a credit card account to Defendant WENTWORTH for which Defendant is currently indebted to Plaintiff in the amount of $5,388.49. 4. Jurisdiction and venue are proper in this matter. Count I (Breach of Contractl Plaintiff incorporates the allegations of Paragraphs 1-4 as though fully set forth at length. 6. Plaintiff provided credit to Defendant WENTWORTH (by way of an American Express credit cazd) at Defendant's specific request pursuant to the terms of a written Cazd Member Agreement (the "Cazd Agreement"). A true copy of the Cazd Agreement is attached hereto as Exhibit "A". Defendant agreed to pay for the chazges incurred on this credit card as they were billed by Plaintiff. 8. Defendant is currently in default under the terms of the Agreement with Plaintiff by, without limitation, failing to make payment pursuant to the terms of the Cazd Agreement. 9. At the time of default, Defendant was and remains indebted to Plaintiff in the amount of $5,388.49 as reflected on the statements of account attached hereto and mazked Exhibit "B" (the "Statements"). The substance of the Statements includes, without limitation, any and all charges, credits and payments relating to Defendant's account which were kept in the ordinary course of business and summazized as the "previous balance" on the oldest available of the Statements. (Statements for prior months dates are unavailable due to the policy of Plaintiff which requires the purging of such records older than two L2l Yeazs.) 10. Although demand has been made upon Defendant for payment of the balance of $5,388.49, Defendant has failed and refuses to pay same. WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of $5,388.49 together with interest and costs of this action. Count II (Book Account 11. Plaintiff incorporates the allegations of pazagraphs 1-10 as though fully set forth at length. 12. Plaintiff provided credit to Defendant (by way of an American Express credit card) at Defendant's specific request on a book account. 13. Defendant agreed to pay for the charges incurred on this credit card as they were billed by Plaintiff. 14. At the time of default, Defendant was and remains indebted to Plaintiff in the amount of $5,388.49 as reflected on the statements of account attached hereto and marked Exhibit "B" (the "Statements"). The substance of the Statements includes, without limitation, any and all charges, credits and payments relating to Defendant's account which were kept in the ordinary course of business and summarized as the "previous balance" on the oldest available of the Statements. (Statements for prior months dates are unavailable due to the policy of Plaintiff which requires the purging of such records older than two [2] Years.) 15. At the time of default, Defendant was and remains indebted to Plaintiff on a book account in the amount of $5,388.49 as reflected on the statements of account. 16. Although demand has been made upon Defendant for payment of the balance of $5,388.49, Defendant has failed and refuses to pay same. WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of $5,388.49, together with interest and costs of this action. Date: ~ ! ~ (( I Lloyd~fl arkind, Esquire Francis J. Skinner, Esquire Attorney for Plaint(s) 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 1 ~ T 1 VERIFICATION I, Lloyd S. Mazkind, Esquire, of the law firm of Sklaz~Mazkind, hereby state and verify that my firm is counsel for Plaintiff in this action; that we have reviewed certain documents and/or other records provided to us by Plaintiff (which is located outside the jurisdiction) for the filing of a Complaint in this action; that a substitute Verification executed by an officer or other employee of Plaintiff will be filed as soon as same is received; and that the Complaint filed herewith is true and correct to the best of my knowledge, information and belief. The undersigned understands that the statements made therein aze made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. Dated: Lloyd azkind, Esquire Attorney for Plaintiff File No.: A1000653 FDR 974934 Welcome to American Express Cardmembensltip This documem and the accompanying supplement(s) constitute yow Agreement Please read and keep this Agreement. Abide by its terms. Whrn you keep, sign or use the Card issued to you (inducting any renewal or replacement Cards), or you use the aaount assodated with this Agreement (yow Account"),you agree to the terms of this Agreement. The words °you; "your' and "yours mean the person who applied for the Auount and the person to whom we address billing statements, as well as any puson who agrees to be liable on the Account The "Basic Cazdmembu" is the person who opened the Account. At your request, we may also issue a Cazd on yow Account to anothu puson (an Additional Cazdmember"). The term "Card" refus to the Amuican Express' Card issued to you, all other Cards issued on your Account, and any other device (such as Account numbers and convenience chedts) with which you may access yow Account "We; "our and "us' refer to Amuican Express Centurion Bank, the issuer of your Account. Using the Card You may we the Card to obtain goods and services from arty puson who accepts the Card (°Pwchase(s)"). You may also use the Cazd to obtain loans ("Cash Advance(s)") through various means we may make available (e.g., ATM madrines) up to the applicable limits on yow Account At ow discretion, we may permit you to transfer balances frtnn othu accounts to yow Account ('Balance Transfer(s)"). At our disuetion, we may issue convenience checks that you can use to access yow Account. Each convenience chedt may be used only by you. You may not use convenience checks to pay arty amount you owe under this Agreement or to pay any othu azcount you have with us or ow affiliates. Transactions you make in response to promotional offers from us will be subject to the terms of the promotion and this Agreement. All amounts charged to your Account, including Purchases, Cash Advances, Balance Transfers, convenience chedts, annual fee(s), if any, any amounts guaranteed by use of the Cazd, other fees, and atry Finance i~targes, are "Charges." A convrnirnce check that we identify as having been made payable to cash, to you, or to a bank, brokerage or similar asset account will be treated as a lash Advance. Any other convenience check andlor a Balance Transfu will be treated as a Purchase, except as otherwise noted. If you make a Purchase or a Balance Transfer, of use a convenience check, that is governed by a promotional otTu from us, the Charge will be inducted in a Promotional Balance, unless we notify you otherwise. You agree not to let any person use a Cazd except a Cardmembu whose name is on it. You agree to notify us if the Card is lost ar stolen, or you suspect that it is being used without yow permission. You agree to use the Account only for Purchases, Cash Advances, or Balance Transfus that are lawful and are permitted undo this Agreemrnt. We may issue you renewal or repluemrnt Cards before a previously issued Card expires. If you or an Additional Cazdmember authorize a third pazty to bill Charges on a recurring basis to your Account ("Recurring Charge(s)"), we may (but aze not required to) provide such third party with yow currrnt Account status, Card number and/or expiration date to permit that third party to continue billing yow Account We may take such steps evrn if your account number changes or if we issue a renewal or replacement Card to you or an Additional Cazdmember. To withdraw authorization for a Recurring Charge, you must notify the third party. ExpressPay The Card may be equipped with the ExpressPay feature ("ExpressPay"), which enables you to make Charges without having the Card swiped or imprinted at a participating muchant. ExpressPay uses a computer drip that is built into the Card and transfers enuypted payment information wirelessly when you hold the Card to a comactless teadu. Chazges made with ExpressPay are as secure as other Chazges you make with the Card. ExpressPay grnerates a unique cryptogram to further protect yow account from fraudulrnt transactions. if you notify us that the Card is lost, stolen or has bern fraudulently used, the Card and the ExpressPay feature will be deactivated and anothu may be reissued. You agree to use EspressPay only in accordance with ow instructions, and you agree not to attempt to get cash with ExpressPay from a~ source. Yuu may cancel the ExpressPay featwe on the Card or arty Additional Card at arty time upon notice to us by calling the numbu on the bade of the Card. Anneal Fee There is no annual fee for this Account. Credit Line A portion of your credit line may be available to you for Cash Advances up to yow Cash Advance limit. We may, at any time and in our sole disunion, inueaseand/or deuease yow credit line and Cash Advance limit. We may limit Charges at an automated teller madtine ("ATM") to the lesser of (i) a total of 51,000 in any seven-day period, or (ii) the remaining amount of the Cash Advance limit on your Account; and we may impose additional limits at ow sole discretion (in addition to any limits imposed by the ATM's ownu). Yow billing statemrnts will show yow uedit line and Cash Advance limit and the unused portions of such line and limit as of the statemrnt date. You agree to manage your Account so that yow balance fur Cash Advances (inducting fees and Finance Charges) will not exceed the Cash Advance limit and your ovuall balance (inducting fees and Finance Charges) will not exceed your uedit line. You agree to pay us, immediately upon request. the amount of arty balance on your Account in excess of any applicable credit line or limit We reserve the right to dedine atry attempted Charge, even if the Charge would not cause you to exceed yow uedit line or limit. We are not responsible for arty losses or other consequences if a vansaction on yow Account is not approved for arty reason, even if you have sufficirnt credit available. Except as otherwise required by applicable law, we will not be responsible if airy merchant refuses to honor the Card or for any other problem you may have with a merchant. Promise to pay You promise to pay all Charges, including Charges incurred by Additional Cardmembers, on yow Account This promise includes atry Chazge for which you or an Additional Cazdmembu indicated an intent to incur the Charge, even if you or the Additional Cardmember have not signed a charge form or presented the Card. You also promise to pay ally Charge incwred by atryone that you or an Additional Cazdmember let use the Card, even though you have agreed not to let anyone else use the Card. States of and Responsibility for Additional Cardmembers Additional Cazdmembers do not have accounts with us. Instead, they aze authorized uses on yow Account, and the Cards issued to them may be cancelled by you or us at any time. You must notify us to revoke an Additional Cazdmember's permission to use your Account You are responsible under this Agreement fox all use of yow Account by the Additional lardmembus, and by anyone else you or an Additional Cardmembu lets use the Cazd, and the Charges they incw will be billed to you. You have this responsibility even if you did not intend for an Additional Cazdmember, or othu posse, to use the Card for a~ transactions. An Additional Cardmemberrs not liable for Charges incurred by the Basic Cazdmember or by othu Additional Cardmembers. However, by eazh use of the Additional Card to incur Charges, the Additional Cardmember indicates his or her agreement to pay us for the Chazge if you fail to or refuse to pay it, and we may, at ow discretion, pursue Additional Cardmembus for payment of Charges they incw or authorize. You authorize us to provide Account information to Additional Cazdmembus and to discuss the Account with them. You agree to notify eadr Additional Cazdmember, at the time he or she becomes an Additional Cardmember, that we may receive, record, exchange and use information about him or 6u in the same manner we do with information about you, as described bdow in the Consumer Reports, Telephone Communications, and Suspension/ Cancellation sections of this Agreement. You agree to notify each Additional CD 25454 (07109) Cazdmembu that Additional Cudmembers are subject to all applicable provisions of this Agreemrnt. Billing Statements You must notify us immediately of any change in the mailing or a-mail address to which we send billing statements or notices that a billing statement has been posted ("Billing Address ). If you wish a Billing Address change to apply to more than one account you maintain with us, you must tell us. You agree that we may also update yow Billing Address if we receive information that yow Billing Address has changed or is incorrect. The "New Balance" appears on your billing statement. To determine the New Balance, we begin with the outstanding balance on yow Account at the beginning of each billing period, caged the "Previous Balance" on the billing statement. We add any Chazges, subvact any uedits or payments uedited as of that billing period, and make other applicable adjttstmrnts. Minimum Amount Due Each billing statemrnt will reflect a Minimum Amount Due. Paymrnt is due by the time and date shown and m the mannv prescribed on the statement. The Minimum Amount Due will not exceed the New Balance. You may pay more than the Minitnwn Amount Due, up to the entire outstanding balance, at any time. To calculate the Minimum Amount Due, we add togethu the following amounts, round the result to the nearest whole dollar, and then add arty amount past due: (I) the greatest of: (a) 2% of the New Balance (excluding from the New Balance atry any late fees or over-limit fees); (b) the lesser of (i) current billed Finance Chazges plus 1 % of the New Balance (exduding from the New Balance arty late fees or over-limit fees and finance charges), or (ii) 4% of the New Balance; or (c) $ t 5; (2) a~ over-limit fees added dwing the billing period; and (3) any late fees added dwing the billing period. Adjusted Minimum Amoant Due Summary: If you consistently pay more than the Minimum Amount Due outlined above, we may calculate yow minimum payment without any late fees or the additional l% of the balance referenced in (1)(b)(i). If we do this, and finance chazges are more than 2% of the balance, we may add $IS to your minimum payment. For information about how this works, read the detailed description below. Detailed Description: We may adjust the outlined calculation above by removing the late fees in (3) and "plus 1 % of the New Balance" in (1)(b)(i). In the adjusted calculation, we will exdude only the over-limit fees from the New Balance in (t)(a). After the adjustment, if (1) is equal to the current billed Finance Charges, we will increase your Minimum Amount Due by S 15. We will apply the adjusted calculation to your Account if: • the sum of yaw paymrnts (credited to yow Account in the sin consecutive billing periods ending with the Closing Date of the current billing period) is grea[u than the sum of the Minunum Amounts Due (for the six consecutive billing periods ending with the Closing Date of the previous billing period, not using the adjusted calculation and inducting the amount past due in only the first of those six periods); • the stun of the Minimum Amounts Due is equal to the sum of your payments and it is less than or equal to $90; • the sum of the Minimum Amounts Due is zero and we used the adjusted calculation in the last billing period when your Minimum Amount Due was not zero; or If we adjust yow Minimum Amount Due, we will do so for at least sin billing periods, and if we stop adjusting yow Minimtun Amount Due, we will not adjust it again for at least six billing periods, regazdless of your payment history. Payments All payments must be sent to the paymrnt address shown on your billing statement and must include the remittance coupon from yow billing statement. You must pay us in U.S. currrncy, with a single draft or check drawn on a U.S. bank and payable in U.S. dollars, or with a negottable instrvment payable in U.S. doilazs and clearable through the U.S. banking system, or through an electronic payment method clearable through the U.S. banking system. Your Account number must be included on or with all payments. Tf we deride to accept a payment made io a foreign currenry> you authorize us to choose a conversion rate that is acceptable to us to convert yow remittance into U.S. currency, unless a particular rate is required by law. Payments conforming to the above requirements that we receive no later than the how spedfied on your billing statemrnt will be credited to yow Account u of the day received; payments conforming to the above requirements that we receive after the how spedfied on yow billing statement will be credited to yow Account u of the fallowing day. If payment does not conform to the requirements stated above, crediting mry be delayed. If this happens, addifional Charges may be imposed. We may accept late payments, paztial payments or any payments marked u being payment in full or as being settlemrnt of arty dispute without losing any of ow rights under this Agreement or under the law. Ow accep- tance of arty such payments does not mean we agree [o change this Agreement in a~ way You agm that an acceptance of such payments will not operate u an accord and satisfaction without ow prior express written approval. Subject to applicable -ax; we will apply and allocate payments and crediu among balances and Charges on your ,4ccount in any orderand mannerdttermined by us in our sole discretion. In most cues, we will apply and allocate payments first to balances ae lower Annual Percentage Rases ("APRs') and thrn to highu APR balances, and apply Pwdtase credits Lust to the balance from which the corresponding debit originated However, for servicng, administrative, systems or othu business reuons, we may apply and allocate payments and credits among balances and to Charges on your Account in some other ordu or manner that we may determine in ow sole discretion. You agree that we have the unconditional right to exucise this discretion in a way that is most hvorable or convenient to us. Authoriution for Electronic Debit to Your Checking Account When you provide a check u payment, you authorize us to use information from yow check to make an electronic fund transfer from your account or to process the payment u a check transaction. If we process your check electronically, funds may be withdrawn from yow bank or use[ account u soon u the same day we receive yow check. Also, if we process your check electronically, you will not receive that cancelled check with your bank or asset account statement. Finance Charges A. Finance Charges begin to accrue for euh Charge u of the date the Charge is added to the daily balance, u described below If payment in full for any New Balance shown on the statement for a billing period is credited to your Acwunt by the Payment Due Date shown on that statement, then Finance Charges will not accrue for Pwchases from the date on which payment in full of that New Balance is credited to your Account until the end of the billing period in which such payment is credited to yow Account Tn addition, Finance Chazges will not accrue for Pwdtases dwing a billing period if (a) the Previous Balance shown on the billing statemrnt for that billing period is zero or a credit balance, or (b) payment in full for the New Balance, if any, shown on the statements covering the two immediately preceding billing periods is credited to your Account by the respective Payment Due Dates shown on those atatemrnts. For purposes of this paragraph, Purchases do not include Balance Transfers or convrnience checks. B. The Daily Periodic Rate (°DPR°) for Purchases and the DPR for Cuh Advances aze each based on an APR which may vary. The APR for Cash Advances is the Prime Rate plus 17.99%. A DPR is 11365th of the APR Your DPRs and APRs for Purchases appear on the accompanying supplement(s). When an APR changes, we apply it to any existing balance subject to that rate. C. Notwithstanding the foregoing, unless a higher rate applies, the APR for all balances except Cash Advances will be equal to Prime plus 14.99% if during arty Review Period arty portion of arty Minimum Amount Due is not credited to yow Account by its Paymenf Due Date. Tie "Review Period" is the period, constituting approamately one yeaz, of twelve consecutive billing periods ending with the Closing Date of the cwrrnt billing period, whether or not you received a statement for each such billing period. D. Notwithatandingche foregoing, the DPR (and corresponding APR) on all bahmces will inuease to the Default Rate if during the Review Period (i) payment ofyow Minimum Amount Due is not credited to yow Account by the Payment Due Date in arty two billing periods, (ii) a payment on your Account is not honored by your bank or othu financial institution, ar (in) you exceed any designated credit limit on yow Account three or more times. The "Review Period' is the period, constituting approximately one yeaz, of twelve consecutive billing periods ending with the Closing Date of the current billing period, whether or not you received a statement for euh such billing period. If the Default Rate is applied, it will apply to yow Account for a minimum of twelve consecutive billing periods, beginning with the current billing period. The Default Rate is a DPR which corresponds to an APR equal to the Prime Rate plus 23.9996. E. The `Prime Rate" is determined once with respect to each billing period. The Prune Rate for each billing puiod is the Prime Rate published in the Money Rates section (or successor section) of The Wa11 Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the (losing Date of that billing period, whichever is higher. in each case, if such a day is not a customary publication day for The Wall Street Journal, we will substitute the doses[ preceding day that is a customary publication day. If The WaB Street Journal ceases or suspends publication, we may refu to the Prime Rate pubBshed in arty other newspaper of general cuculation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Any increue or decreue to an APR resulting from a change in the Prime Rate takes effect as of the first day of the billing period. An increue in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to yow Account will increue and you may incur higher Finance t~targes and may have a higher Minimum Amount Due. Average Daily Balwce Method for Calculation of Finance Charges We use the Average Daily Balance method to calculate Finance Charges on yow Account. Under this method, we calculate the Finance Chazges on your Account by applying the DPR to the Average Daily Balance (u described below) separately fot each balance subject to Finance Chazges. Diffuent periodic rates maybe used for different balances. For example, difktrnt DPRs may be applied to separate balances, such as Purchue, Cash Advance, and Promotional Balances. To get the Average Daily Balance for each balance, we (1) take the beginning balance for each day (including unpaid Finance tltarges from previous bilBttg periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits credited u of that day, and (4) make arty appropriate adjustments. For each day after the first day of the billing period, xe also add an amount of interest equal to the previous day's daily balance multiplied by the DPR for the bahtnce. This gives us the daily balance for the particular balance for that day and the beginning balance for that balance for the next day If this bahmcc is negative, it is considered to be zero. Then, we add up all the daily balances for each balance for the billing period and divide the total by the number of days in the billirtg period. This gives us the Average Daily Balance for that balance. If you multiply the Average Daily Balance for each balance by the number of days in the billing period and the DPR for that balance, the result will be the Finance Chazge assessed on that balance, except for variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance l7tazges assessed on all balances of the Account. This method of calculating She Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. We may use mathematical formulas which produce egttivalent results to calculate the Average Daily Balance, Finance Chuge, and related amounts. Fw example, we may utilize computer programs or other computational methods that are designed to produce mathematically equivalent results while using fewer andlor simpler computational steps than are described in this Agreement. At ow discretion, we may exclude certain categories of debit transactions or fees from the calculation of the daily balances. Unless we elect to use a later date, we add a Chazge to the daily balance u follows: We add a Cash Advance or Purchase to the appropriate daily balance u of the date of request or the transaction date out the billing statement. We add a convenience check to the appropriate daily balance as of the date of first deposit. We add a Balance Transfu other than through a convenience check to the appropriate daily balance u of the date of the request. We add periodic Finance Charges to the daily balance u described above. We add atry other Charge ro the appropriate daily balance as of the date of the transaction. Periodic Finance Charges are added to the outstanding balance at the end of the baling period for which Finance Charges are calculated. In any such billing period, we will impose a minimum Finanu Charge of 50.50, which will be added to the balance with the highest APR unless, for our convenience and in ow sole discretion, we choose to add it to a balance with a lower APR In our sole discretion, we also may round atry calculations made in determining the Finance Charges on yow Account in atry way that is convenient to us. Atry such rounding may apply to or cause variations in your DPRs. Late Fees We may assess a LaG: Fee its payment of ac leaf the Minimum Amount Due is not credited to yow Account by the Payment Due Date. The amount of the Late Fee depends on the amount of the Previous Balance on the statement on which [he Late Fee appears, u EoBows: Less than 3400 S19 $400 or greater 538 Othu Fees We may charge the following fees to yow Account, subject to applicable law Except u otherwise noted, these fees will be added to the Pwchue Balance. 1. Dishonored Payments: We may charge a fee of S38 whenever any check, similar instrument, or electronic payment order that we receive as payment on your Account is not honored upon first presentment. If a Cazd is presented in connection with cashing a check at an American Express Travel Service Office or other authorized location and the check is not honored, we may chazge a fee of $3A. (We will also add a Charge to the Cash Advance balance of your Account in the amount of the check that was not honored.) 2. Copies of Statements: We may charge a fee of SS for each billing period for which a copy of a billing statement is requested. We will not charge this fee for any reyuest for a copy of atry of the billing statements for the three billing periods immediately prior to the request. 3. Account Re-opening Fee: We may charge a re-opening fee of S25 if yow Account is cancelled for any reason and you request reinstatement and swh request is honored. 4. 145re Tranakrs: We may charge a fee of S 15 each time a wire transfer from yow Account is initiated and authorized. 5. Stop Payment Orders: We may charge a fee of S29 each time we receive a request to stop payment on a convrnience check drawn on your Account. 6. Over-limit Fee: We may charge a fee of S35 in each billing period the New Balance on yow statemrnt exceeds your credit line. 7. Convenience Check UsageBaLmce Tratufu Transaction Fee: We may assess a transaction fee fur each Balance Transfer and each convenience check drawn on your Account, as disclosed in the applicable Promotional Offer, in the materials accompanying the convenience check, or at the time of the transaction. This fee is a Finance Charge and if assessed, will be added to the same Purchase or Cash Advance balance as the convenience check transaction or Balance Transfer. For convenience checks made payable to cash or to you, a bank, brokerage or similar asset account, however, unless otherwise disclosed in the applicable Promotional Offer, in the materials accompanying the convenience check, or at the time of the transaction, there will be a transaction fee of 3%, with a minimum of S5. 8. ATM Fee: We will impose a fee each time a Card is used to obtain cash or any other services from an ATM. This fee will be 3%of the amount of the cash withdrawn or other services obtained (inducting any additional fee imposed for use of the ATM by its operator), with a minimum of $5. This fee will be added to the Cash Advance balance. FDR 974934 Snspensionf Cancellation In addition to arty other cations we may take under this Agreement, we may suspend m cancel yow Account or atry feature offered in connection with yow Account, we may reduce yow credit line or cash advance limit (inducting to a level below your outstanding balance), and/or we may suspend or canal the authorization of any Additional Cazdmember to make Charges to your Account, at ow sole discretion at arty time, with or without cause, whether or not yow Account is in default, and without giving you notice, subject to applicable law Any such action on ow part will not cancel your obligation to pay aE maz$a due on yow Account [wrier the terms of this Agreement in effect. at the time of such action or as subsequently amended, and you agree to pay us all swh Charges despite any swh action. We may advise third parties who accept the Card that the Card(s) issued to you and/or Additional Cardmembers have been cancelled. ff we cancel the Card or it expires, you may no longer use it andyou must destroy it or return it to us or, if we regwst, to a third party. If you want to cancel the Account or arty Additional Cards, you must notify us and destroy the Cazd(s). TEwe agree to reinstate your Account after a cancellation, the new Agreement we send you (or, if we do not send you a new Agreemrn4 this Agreement as it may be amended) will govern your reinstated Account When we reinstate your Account, we may reinstate any Additional Cazds issued in connection with yow Account, and bill you [he applicable annual fee(s). De€an-t We may consider your Account to be in default at arty time if you fail to pay us any amount whw it is due, or if you breach any other promise or obligation under this Agreement. Subject to applicable law, we may also consider yow Account to be in default at any time if any s[atemrnt made by you to us in connection with this Account or eery other uedit program was false or misleading; if you breach arty promise or obligation under arty other agreement that you may have with us or with any of our affiliates; if we receive information indicating that you are bankrupt, intend to file banlvuptcy, or aze unable to pay yow debts as they become due; or we receive information leading us to conclude that you aze otherwise not creditworthy. Tn evaluating your creditworthiness, you agree that we may rely on informaton contained in consumer reports, and in our discretion we may consider the amount of debt you aze carrying compared to yow resowces or arty other of yow credit characteristics, regardless of your performance on this Account. We may also wnsider yow Account in default in the event of your death. U the event of }row default, and subject to arty limitations or requirements of applicable law, we may require payment of a portion of your outstanding balance greater than the Minimwn Amount Due, dedaze the entire amount of your obligations to us immediately due and payable, and/or suspend or cancel your Accountand/or atry fntwe that may be offered in connection with the Account. You agree to pay all reasonable costs, inducting reasonable attorneys' fees, incurred by us (1) in connection with the collection of a~ amount due on your Account, whether or not any arbitration, litigation, or similaz proceedings are initiated; and (2) in reasonably protecting owselves from any loss, harm, or risk relating to any default on your Account. Transactions Made in Foeelgn Currencies If you incur a t]tazge in a fordgn cttmnry, it will be converted into U.S. dollars on the date it is processed by us or ow agents. Unless a particulaz rate is required by applicable law, you authorize us to choose a conversion rate that is aaeptable to us for that date. Currently, the convusion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate idrn[ified by us from customary banking sources, on the conversion date or the prior business day, in eade instance increased by 2.7%. This conversion rate may differ from rates in effect on the date of yaw Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Benefits and Services Subject to applicable law, we have the right to add, modify or delete eery benefit, service, or Feature that may accomparry yow Account at any time and without notice to you. Arbitration - " Purpose: This Arbitration Provision sets forth the circumstances and procedures under which Claims (as defined blow) may be arbitrated instead of litigated in court. Defmidona: As used in this Arbitration Provision, the term "Claim" means any daim, dispute or controversy betwern you and us arising from or relating to yow Account, this Agreement, the Electronic Funds Transfer Services Agreement, and eery other related or prior agrerntent that you may have had with us, or the relationships resulting from any of the above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements. For purposes of this Arbitration Provision, "you" and °us" alto indudes arty corporate pazent, or wholly or majority owned subsidiazies, affiliates, any licensees, predecessors, successors, assigns, arty purchaser of any ucounts, all agents, employees, directors and representatives of any of the foregoing, and other persons refernd to blow in the definition of °Claims." "©aim" indudes claims of every kind and natwe, inducting but not limited to, initial claims, counterdaims, cross-daims andthird-party daims and daims based upon contrut, tort, fraud and other intentional torts, statutes, regulations, common law and equity "Claim" also indudes dauns by or against any third pazty using or providing any product, service or benefit in connection with any ucount (inducting, but not limited to credit bureaus, third parties who accept the Card, thud parties who use, provide or participate in fee-based or free benefit programs, enrolhornt services and rewazds programs, credit inswance companies, debt collectors and all of their agrnts, employees, directors and representatives) if and only if, such third puty is named as a co-party with you or us (or files a Claim with or against you or us) in connection with a Claim asserted by you or us against the other The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of erample and without litnitation, any claim, dispute or controversy that arises from or relares to (a) arty of the accounts created under arty of the Agreemrnts, or eery balances on arty such accounts, (b)advertisements, promotions or oral or written statements related to any such ucounts. goods or services financed under a~ of the accounts or the terms of financing, (c) the benefits and services related to Cazdmembership (inducting fee-based or free benefit programs, enrollment services and rewards programs), and (d) yow application for any account We shall not elect to use azbitration under the Arbitration Provision for arty Claim that you properly file and pwsue in a small daims court of yow state or mtmidpality so long as the Claim is individual and pending only in that court. Initiation of Arbitration ProceedingfSelection of Administrator: Arty ©aim shall be resolved, upon the election by you or us, by arbitration pwsuant to this Arbitration Provision and the code of procedures of the national azbitration organization to which the Claim is referred in effect at the time the (aaim is filed (the "Code ), except to the extrnt the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAP") or the American Arbitration Assoriation ("AAA), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unuceptable to you,you shall have the right wrti»n 30 days after you receive notice of ow election to select the other organization listed to serve as azbitration administrator. For a copy of the procedwes, to file a Claim or for other information about these organizations, curator them as follows: • NAF at P.O. Box 50191, Minneapolis, MN 55405; website: wwwazbitration-forum.com. . AAA at 335 Madison Avenue, New York, NY 10017; website: wwwadrarg. Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NECfIiERYOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT UR HAVE A JURY TRIAL ON THAT CLAIbf. FURTHER, YOU AND WE WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATM? CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECC TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU OR WE WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAHABLE IN ARBITRATION. Restrictions on Arbitration: IF EITHER PARTY ELECTS TO RESOLVE A CLAIM BY ARBITRATION, THAT CLAIM SHALL AE ARBITRATED ON AN iNDMDUAI. BAS1S. THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS OR ON BASES INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, UTHER CARDMEMBERS UR OTHER PERSONS SIMILARLY SITUATED. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to awards to you and us alone. Furthermore, daims brought by you agaiust us, or by us against you, may not be joined or consolidated in azbitration with Claims brought by or against someone other than you, unless agreed to in writing by all parties. No azbitration award or derision will have any predusive effect as to issues or claims in arty dispute with aeryone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement (inducting but nut limited to the Continuation provision blow) and without waiving elther party's right to appeal such decision, should arty portion of this Restrictions on Arbitration provision be deemed invalid or unenforceable, thrn the rntire Arbitration Provision (other than this sentence) shall not aPPly Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction imrohvtg interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA ). The arbitration shall be govemed by the applicable Code, ercept that (to the eaten[ enforceable under the FAA) this Arbitration Provision shall control if it is inconsistrnt with the applicable Code. The azbitrator shag apply applicable substantlve law consistent with the FAA and applicable statutes of limitations and shall honor daims of privilege recognirxd at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. The arbitration proceeding shall not be govemed by any Federal or state rules of civil procedwe or rules of evidence. Either pazty may submit a request to the azbitrator to expand the scope of discovery under the applicable Code. The pazty submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the requesting party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such a request will be in the sole discretion of the arbitrator, who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The azbitrator shall take reasonable steps to preserve the privary of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The azbitrator's derision will be final and binding, ezcept for any right of appeal provided by the FAA. However, any party can appeal that awazd to a three- azbitratorpanel administered by the same azbitration organization, which shall consider anew a~ aspect of the initial award objected to by the appealing pazty. The appealing party shall have thirty (30) days from the date of entry of the written azbitration awazd to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the azbitration organization in the form of a dated writing. The arbitration organization will then notify the other pazty that the awazd has been appealed. The arbitration organization will appoint athree-arbitrator panel that will conduct an arbitration pursuant to its Code and issue its decision within one hundred and twrnty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be fietal and binding. Location of ArbitrationlPayment of Fees: Arry arbitration hearing that you attend shall take place in the federal judicial district of yow residence. You will be responsible for paying your shaze, if any, of the arbitration fees (inducting filing, administrative, hearing andlor other fees) provided by the Code, to the extent that such fees do not exceed the amount of the filing fees you would have incurred if the Claim had been brought in the state or federal court closest to your billing address that would have jurisdiction over the Claim. We will be responsible for paying the remainder of any arbitration fees. A[ your written request, we will consider in good faith making a temporary advance of all or pazt of your shaze of the azbitration fees for a>ry Claim you initiate as to which you or we seek arbitration. You will not be assessed any FDR 974934 azbitration fees in excess of yow share if you do not prevail in any arbitration with us. Continuation: This Arbitration Provision shall survive termination of yow acwunts as well as voluntary payment of the Account balance in full by yon, any legal Proceeding by you or us to tolled a debt owed by the other, arty banlvuptry by you err us, and any sale by us of your Account (and in the case of sale, its tt:rma shag apply to the buyer of any of yow Account). Except as otherwise provided in the Restrictions on Arbitration provision above, if arty portion of this Arbitration Provision (other than the Restrictions on Arbitration provision) is deemed invalid w unenforceable it shall not invalidate the remaining portions of this Arbitration Provision, the Agreemrnt or arty predecessor agreetnrnt you may have had with us, each of which shall be enforceable regardless of such invalidity. Waiver Ow failwe to ezercise arty of ow rights under this Agreemrnt, ow delay in rnforcing arty of our rights, or ow waiver of our rights on soy occasion, shall not constitute a waiver of such rights on any other occasion. Consumer Reports You authorize us to request rnnsumer reports about you, to make whatever credit investigations we deem appropriate, to obtain and exchange arty information we may receive from consumer reports and other sowces, and to use such information for any purposes, subject to applipble law. You authorize us to furnish information concerning yow Account to consumer reporting agencies, or others, subject to applicable law If you believe information we have furnished about your Account to a consumer reporting agency is inaccwate, you should write to us ac American Express Credit Bweau Unit, P.O. Box 7871, Ft. Lauderdale, FL 33329-7871 and idrntify the specific information you believe is inaccurate. You are hereby notified that information about yow Account that may have a negative impact on your credit record may be submitted to a aedit reporting agency if you fail to fulfill the terms of yow credit obligations. Telephone Communications You agree that from time to time we may monitorand/or record telephone calls betwern you (or Additional Cardmembers on yow Account) and us to asswe the quality of our customer service or as required by applicable law. You authorize us to call or send a text message to you at atry number you give us or from which you call us, including mobile phones. You authorize us to make such calls using automatic telephone diaBng systems for any lawful purpose, including but not limited to: suspected fraud or idrntity theft; Account transactions or servidng; offers of American Ezpress products and services; and collecting on your Account. You authorize us to place prerecorded calls in connection with the status of yow account, or security and idrntity theft matters. You agree to pay arty fees or charges you incur for incoming calls or text messages from us without reimbursemrnt. Privacy Act of 1974 Notification Use of the Card at Federal Government Agendea American Express has entered into contracts that enable the Card to be accepted at certain federal government agencies and departments (Agrncies'"). As with Cazd transactions at commercial establishments, when you choose to use your Cazd at an Agency, certain Charge information is necessarily collected by us. Charge information from Cazd transactions at Agencies may be used for routine uses, such as processing Chazges and payments, billing and collections activities and may be aggregated for reporting, analysis and marketing activities. Additional "routine uses" of Charge information by Agendes aze published periodically in the Federal Register. insurance Products Notice We identify insurance providers and products that maybe of interest to you. In this role we may act on behalf of the insuance provider, as permitted by law We receive compensation from insurance providers that may vary by provider and product. Also, we may recdve additional compensation or finandal benefit when AMEX Assurance Company or another American Express entity ads as the inswer or reinswer for these products. The azrangemrnts we have with providers, including the potential to insure or reinswe products, may also influence what products and providers we identify. Notices " Atry notice given by us shall be deemed givrn whrn deposited in the U.S. mail, postage prepaid, addressed to you at the latest Billing Address shown on ow records. Changing this AgreerornUAssignroent ofthis Agreement We may change the terms of or add new arms to this Agreement at any tirue, in accordance with applicable law We may apply any changed or new terms to any then-existing balances on yow Account as well as to future balances. This written Agreement is a final expression of the agreemrnt between the creditor and the debtor and the written Agreement may not be contradicted by evidence of any alleged oral agreement. We may also sell, transfer or assign this Agreement and the Account at arty time without notice to you. You may not sell, assign or transfer your Account or airy of yow obligations under this Agreement. Yow Account maybe transferred to American Express Centurion Services Corporation if your Account is in default under the terms of this Agreemrnt. Assignment of Claims >n the event you dispute a Chazge and we credit your Account for all or part of such disputed Charge, we automatically succeed to, and you are automatically deemed to assign and transfer to us, any rights and claims (excluding tort claims) that you have, had or may have against arty third party for an amount equal to the amount we credited to yow Account. After we make such aedit, you agree that without ow consrnt you will not pwsue any claim against or reimbursement from such third pazty for the amount that we credited to yow Account, and that you will cooperate with ua if we decide to pursue the third party for the amount credited. Applicable Law This Agreemrnt and yow Account, and all questions about thew legality, enforceability and interpretation, are governed by the laws of the State of Utah (without regard to internal principles of wnflicts of law), and by applicable federal law We aze located in Utah, hold yow Account in Utah, and entered into this Agreement with you in Utah. AMERICAN EXPRESS CENTURION BANK To American Express Cardmembera In The United States and Ito Territories Yow Billing Rights -Keep This Notice for Future Use This notice contains important information about yow rights and our responsibilities under the "Farr Credit Billing Act" Notify Us in Case of Errors or Questions About Yow Account Statement If you think your statement is wrong or if you need more information about a transaction on yow statemrnt, write us on a separate sheet of paper at the address for billing inquiries listed on yow statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statemrnt on whiclt the error or problem appeared. You can also telephone us, but doing so will not preserve yow rights. Tn your letter, give us the following information: • Yow name and Aaount number. • The dollar amount of the suspected error. • Describe [he error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authoriud us to pay yow Account statement automatically from yow savings, cheddng or other account, you can stop the payment on arty amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Yow Rights and Onr Responsibilities Aftu We Receive Yow Writtee Notice We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or explain why we believe the statement was correct. AEter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you Cor the amount you question, including Finance Charges, and we can apply a~ unpaid amount against your credit line. You donut have to pay arty questioned amount while we aze investigating, but you are still obligated to pay the parts of yow statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any Finance Charges related to any questioned amount. if we did not make a mistake, you may have to pay Finance t7targes, and you will have to make up any missed payments on the questioned amounts. in either case, we will send you a statunent of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if ow explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell arryone we report you to that you have a question about yow statement, and we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we do not follow these rules, we cannot collect the first S50 of the questioned amount, even if yow statemrnt was correct. Spedal Role for Credit Card Purchases If you have a problem with the quality of property or services that you pwchased with the Cazd, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There aze two Bmitations to this right: (a) You must have made the purchase in your home state or, if not within yow home state, within 100 miles of your cwrrnt mailing address; and (b) The purchase price must have been more than 550. These limitations der not apply if we own or operate the merchant, or if we mailed you the advertisemrnt for the property or services. Note for Ohio Residmta: The Ohio laws against discrimination require that all creditors make credit equally availahle to a!J creditworthy customers, and that credit reporting agencies maintain separate aedithistories on each individual upon request. The Ohio Civil Rights Commission administers complianre with this law. Once You Enroll Tn Pay By Computer, Pay By Phone Or Airy Other American Express Electronic Funds Transfer Service (Hereafter The "Program"), You Will Be Subject To This Electronic Funds Transfer Agreement (The "EFT Agreement"). Scope of Agreement This EFT Agreemrnt covers your paz[idpation in [he Program. >n this EFT Agreemrnt, the words "you" and "yow" refer [o the Basic Cazdmember and also include all Additional Cardmembers who have enrolled in the Program. The words "we; "ow" and "us" refer to American Express Travel Related Services Comparry, Inc. The words "yow American Express Accounts" refer to yow Cazd account govemed by yow Cazdmember Agreement ("Cazd Account") or any other American Express Accounts that we permit you to enroll in the Program. The words "your Bank Account" refer to the account held by a bank, securities firm or other financial institution from which payment will be made when you make transactions under the Program. The words "yow bank" mean the bank, securities firm or other financial institution [hat holds yow Bank Account. The words "other options" refer to electronic payment transfer options andlor other cash access that American Express may make available from time to time, including the option to pay yow Account bill electronically using a computer, phone or other device. Your Account is governed by the Cardmember Agreement that is attached to this EFT Agreement. That agreement and the capitalized terms in it also apply here. Payment for C.,ash Transactions Each time you initiate a transaction under the Program, you instruct and authorize us or our agent to draw a check or initiate an automated clearing house (ACH") debit in your name on your Bank Account, payable to us or to our agent, in the amount of the tmnsaction. The amount of the transaction is the amount of the Aaount bill you paid or other funds transfer you authorized, plus any applicable fees or charges. FDR 974934 We may charge a fce of $38 for each check or ACH debit drawn by us or our agent in connectian with the Program that is not honored upon first presrntmrnt, subject to applicable law Your bank may also asxss its customary charge for such items, if any. Dishonored Requests for Payments iEany check or ACH debit drawn by us or our agrnt in connection with the Program is not honored by yonr bank, we have the right to chazge the amount of any such transaction, and the dishonored payment fee refaced to above, to the Card Account or to collect the amount from you. ff this happens, we may cancel your right to partispate in the Program. For certain Bank Accounts, you may have a separate agreement with us or with a participating bank, securities firm, or other financial institution that allows a line of credit to be accessed in the event that your Bank Auount contains insufficient funds to make payment to us. You should refer to the appropriate agreemrnt relating to that line of credit for the terms and conditions that govern its ux. Liability for Unauthorised Transactions and Advisability of Prompt Reporting You must tell us AT ONCE if you believe a transaction under the Progrun has been made without your authorization. Telephoning is the best way of minimizing possible losxs. If a transaction was unauthorized and within two days after you learn about it you notify us that the transaction was unauthorized, we will not hold you liable for that transaction. In any event, even if you fail to notify us, your liability for arty unauthorized transaction or series of related unauthorized transactions shall not eueed $50. If you believe that someone has transfeaed or may transfer money from your Bank Account without permission, call:l-800-528-4800 (within U.SJ or 1-336-393-I l l l (outside U.S.) anytime, or write: American Express Credit Department, P.O. Box 53830, Phoenix, Arizona 85072-3830. Our Liability for improper Transactions or Payments If a transaction is not completed as you have directed or if we do not complete a transfer to or from your Bank Account on time in the corns amount, we will rexazch and correct it as necessary, once you advise us. We will aLco reimburse you for your actual losses or damages, if any, canxd by our error. However, there are some exceptions. We will not be liable to you in the following instances: • if, through no fault of ours, your Bank Account does not or did not contain rnoug6 money to complete the transaction or the transfer would exceed an established credit limit; • if the funds in your Bank Account aze or were at the time of the attempted transaction subject to legal process or other encumbrance restricting the transaction; . if circumstances beycmd our rnntrol (such as Ere or flood) prevent or prevented the transaction, despite reasonable precautions that we have taken; • if a technical malfunction known [o you prevrnted the transaction; • or any other eueptions stated in this EFT Agreement. Business Day For purposes of this EFT Agreement, our business days aze Monday through Friday. IIolidays are rat included. Arbitration The Card Account is governed by the Cazdmember Agreemrnt contained herein. The Arbitration provision contained within that agreement applies to this EFT Agreement. Please refer to that provision as you read this EFT Agreement. Privacy Electronic funds transfers you initiate pursuant to this EFT Agreemrnt are covered by the American Express Privary Policy, a copy of which was given to you together with your American Express Card. To view our Privacy Policy online, please visit americanexpress.com. flow to Contact Us If for airy reason you wish to contact us about the Program, about your partispation in the Program, or about transactions relating to the Program, write or call us as follows: Address: American Express Travel Related SenRCes Company, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33329-7815 or a-mail us by sicking on the Customer Service link online at wwwamericanexpress.com. Telephone: 1-800-t'ASH-NOW. 2"4 hours a day, sevrn days a week. In Cox of Errors or Questions Aboat Yoar Transactions Write or call us at the nwnber or address given above as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on your statanrnt or receipt. We must heaz Emm you no later than 60 days after we sent you the fH15T statement on which the problem or error appeared. If you are delayed in contacting us due to eatrnuating circumstances (such as a hospital stay), we may extrnd this 60 days for a reasonable time. 1. Tell us your name and Account Dumber. Z. Describe the error or the transaction you aze unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollaz amount of the suspected error. Ifyou tell us orally, we nary require that you srnd us your complaint or question in writing within 10 business days'" from the date you notified us. We will tell you the results of our investigation within 10 business days' after we heaz from you and we will correct any error promptly IFwe need more time, however, we may take up to 45 calendar days to investigate your complaint or question. if we decide to do this we will assort that your bank reaedits your Bank Account within 10 business days' for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within l0 business days' following your oral notification, we may not recredit your Bank Account. If notification of an error is received within 30 calrndaz days after your Bank Account is opened, we will have 20 business days to provide you wilt the results of our investigation and correct any error, and 90 days to complete the investigation. Ifwe determine that there was no error, we will srnd you a written explanation within three business days after we finish our imestgaton. Upon your request we will provide you with copies of the documents that we used in our investigation.lf we have provisionally reaedited your Bank Account during the investigation and determine that there was no error, we will notify you of the date on which we will redebit your Bank Account, and the amount to be debited. You authorize us or an agent to debit your Bank Account for this amount. You should make certain that your Bank Account contains suffisrnt funds to cover this debit. If it does not, we have the right to charge such amount to the Account or to tolled the amount from you. If this happens, we may cancel your right to pazticipate in the Program. Termination We, or any bank or financial institution partidpating in the Program, may add to or remove from the Program any or all ATMs or extend or limit the services provided at any location without notifying you beforehand. In addition, we may discontinue the Program at any time. Your right to paztispate in the Program will be terminated or susprnded if the Card Account is cancelled or suspended, if you cancel the authorization you have given your bank to directly charge checks to your Bank Account, if the Bank Account from which payment will be made whrn you make transactions under the Program is dosed to withdrawal transactions by us or our agents, if your participation in the Program is inactive for 18 consecutive months or more, or if the Card Account is no longer in good standing. Tn addition to the foregoing, we may revoke your right to participate in the Program, at anytime, at our sole discretion, with or without cause, subject to applicable law If we do so, we will send you written notice, but we may not srnd you the notice until after the revocation. We also have the right to deny authorization for arty requested transaction, at any time, at our sole disuetion, with or without cause, and without giving you notice, subject to applicable law You may terminate your paztispation in the Program but you must do so by writing to us at the address dissosed in the Section of this EFT Agreement entitled f low to Contact Us. Prior Agreements and Assignments This EFT Agreement supercedes all prior agreements you may have with us relating to the Program. We have the right to assign this EFT Agreemrnt to a subsidiary or affiliate compairy at any time. AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. Note for Massachuxtts Residents General Disclosure Stataoeat: Any documrntation provided to you which indicates that art electronic funds transfer was made shall be admissible as evidrnce of such transfer and shall constitute prima facie proof that such transfer was made. The initiation by you of certain electronic funds transfers from your Bank Account will, euept as otherwise provided in this F.FT Agreement, effectively eliminate your ability to stop Payment of the transfer. UNLESS OTHERWISE PROVIDED IN THIS EFT AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUNDS TRANSFERS;THEREFORE,YOU SHUULD NOT EMPLUY ELECTRONIC ACCESS FUR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Disclosure of Account Information to Third Parties: If you give us your written authorization to disclose information about you, your Account or the transactions that you make to airy person, that authorization shall automatically eapve 45 days after we receive it. Optional Limit on ObtaininE Cash: You have the option to request that we limit the total amount of cash that you may obtain from ATMs in a single day to 550. If you elect this option we will take all reasonable steps to comply with your request. For Massachusetts residents: ]0 calendar days instead of business days. Program Description Return Protection offers you guaranteed product satisfaction on designated items purchaxd rntuely with an eligible American Express Card. If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling, and up to a maximum of $1,000 annually per Cazdmember Account. How to File a Return Protection Request Once you have verified that the merchant will not accept the designated item, cal! 1-800-297-8019 within 90 days of the purchase date to notify us of your request. Within 30 days from the date of your initial call, we need to receive the following: • Original store receipt • American Express Card record of charge • Any other items deemed reasonable by us to process your request Once your request has been approved you will be instructed to send the purchased item to us within 30 days. Please keep a record of your shipping statement, as you will need to provide proof of shipping in the evrnt that your designated items are not received. You are responsible [or the shipping and handling chazges for the item. The refund - up to $300 per item and up to a maximum of $1,000 per Cazdmember per year - will be reimbursed to you. Limitations Purchases must be made in the United States and charged in full on your Card A refund will not be paid iC, on the date we receive your Retum Protection Request, or on the date of would-be paymrnt, any amount on your Card Account is past due for one or more billing cycle(s) or your Card is canceled. Refunds aze limited to $300 per designated item, and 51,000 annually per Cazdmembcc Account. The item must be in'7ike new" condition (not visibly used or worn) and in working order to be eligible. An item is eligible if it may not be returned by the Cardmember to the merchant from which it was originally purchased. Atry item purchased from a merchant that has an established return/ satisfaction guazantee program which is greater than or equal to the terms of Return Protection, and provides coverage for claim, will not be eligible for a Return Protection Refund. Product rebates, discounts or money received from lowest price compazison programs will be deducted from the original cost of the item. The maximum you will be compensated will not exteed the manufacturer's suggested retail price. FDR 974934 Items not eligible Eor a refund are: animals and living plants; one-of-a-kind items (induding antiques, artwork, and furs); limited edition items; going-out-of-business sale items; consumable or perishable items with limited life spans (such as perfume, light bulbs, non-rechargeable batteries); jewelry (including, but not limited to, loose gems, predous stones, metals, and pearls); watches; services and additional costs (such as installation charges, warranties, shipping, or memberships); ran and precious coins; used, alteed, rebuilt and refurbished items; custom-built items, cellular phones; Pages; compact discs; digital video discs; mini discs; audiotapes; videotapes; computer software; firmware (such as console games, Nintendo, etc.); maps; books o[arry kind; health care items (such as blood preaswe machines and diabetes equipment); formal wee; tickets of any kind; motorized vehicles (such as cars, trucks, motorcycles, boats, or airplanes) and their parts; land and buildings; firearms; ammunition; negotiable instruments (such as promissory notes, stamps and travelers checks); cash and its equivalent, and items permanently effaced to home, office, vehicles, etc., (such as garage door openers, car alarms). if you hrn arty questions regarding a Return Protection Request or the Return Protection prograzn, please callow Customer Service Department at 1-800-297-8019. The information blow summaries the terms and conditions of the Extended Warranty plan (formerly the Buyer's Asswance Plan). Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, Wl. Coverage is determined by the terms, conditioms, and exclusions of Policy AX0953 and is subject to change with notice. This docttmrnt does nut supplement or replace the Policy. Please call us at the number on back of yotu American Express Card for a complete copy of yow terms and conditions. Ertrnded Warranty will extend the terms of the original manufacturer s warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one (1) additional year (Centurion Cazdmembers up to three (3) additional years) on warranties of frn (5) years or less that are eligible in the United States of America. Description of Benefits Whee a loss has occurred during this plan's extended warranty time period of up to one (1) additional year (Centurion Cardmembus up to three (3) additional years), we will provide a benefit equal to the coverage of the original manufactwer s warranty on waranties of up to five (5) years. We will pay up to the actual amount charged to your account for the product for which a loss is claimed, but not to exceed $10,000. if the product also is covered by a pwchased service contract, this plans extended warranty time period begins at the end of the service contract and extends the original manufacturer's warranty for a poiod of time equal to that warranty, up to one (1) additional year (Centurion Cazdmembers up to three (3) additional years). ff the combined coverage of the original manufactnrer's warranty and the pwchased service contras exceed five (5) years, the product purchased is not eligible under this plan and no coverage applies. Extended Warranty does not reimbwse for shipping and handling expenses or installation, assembly, professional adviu, maintenance or othu service charges. TE you experience more than one loss in a calendar year, we will pay an amount not to exceed 550,000 for all losses in a calendar year. Our benefit payment will not include any produs rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the proputy. Exclusions Benefits are not payable if the loss for which coverage is sought was diresly or indirectly, wholly or partially, contributed to or caused by: 1, any physical damage, including, but not limited to, damage as a direr result of natural disasto or a powe surge, except to the eaten[ the original manufacturer s waranty covers such damage, 2. mechanical failure covered undo product recall; or 3. fraud or abuse or illegal activity of any kind by the cazdmember. Pwcbaxs Riot Coveted The following are not cowed: 1. products covoed by an unconditional satisfaction guarantee; 2. motorized vehices (induding, but not limited to, passenger cars, trucks, motorryces, boats, airp~anes) and tb~ir parts, subject to high risk, combustible, wear and tear or mileage stipulations (induding, but not limited tq batteries, carbwetors, pipes, hoses, pistons, brakes, tires, or mufflers); 3. motorized devices and their parrs used for agriculture, landscaping, demolition or construction; 4, motorized devices and thdr parts which are permanent additions or fixtwes to a residential or commercial building; 5. business fixtures, induding, but not limited t0. au conditioners, refrigerators, heaters; 6. land or buildings; 7. consumable or perishable items; 8. animals or living plants; 9. more than one article in a pau or set. Coverage will be limited to no more than the value of arty particular part or parts, unless the aztices are unusable individually and cannot be replaced individually, regardless of arty spedal value they may have had as part of a set or collection;l0. items still undo installment billing;!!. additional service contractor extended warranty coverage for a compute, computer component or part that you buy which already wines with an original United States of Amoica manufactwu's warranty, unless such coverage is provided and administered by the original manufactwer; and 12. items purchased for resale, professional, or commerial use (this does not apply to OPEN Cardmtmtbcrs). General Provisions Eueaa Coverage If any loss undo this policy is inswed undo arty otho valid and collectible policy, then this policy shall covo such loss, subject to its exclusions, conditions, provisfons and other terms herein, only to the extent that the amtamt of such loss is in excess of the amount of such other insurance which is payable or paid. T :nation or Cancellation Coverage will cease on the earliest of the following: 1. the date you no longo maintain a permanent residence in the 50 United States of America, the District of Columbia Puerto Rico or the U.S. Vagin Islands; 2. the date we determine that you or someone on yow behalf intentionally misrepresented or fraud occurred; 3. the date the polity is cancelled; 4. the date you are no longer a cazdmember; 5. the date your acmunt ceases to be current and in good standing; m 6. the date the plan is not available in the location where you maintain a permanent residence. Termination or cancellation of coverage will not prejudice arty claim originating prior to termination or cancellation subject to all other terms of the polity. The company has the right to cancel the policy at any time by sending a written notice at least forty five (45) days in advance to you at yow last known address. The notice will include the reason for cancellation. Form Numbers EW-DOC-CCSGI 02107, EW-DOG-CCSG2 02107, EW- DOC-OSBN102/07, EW-DOC-OSBN2 02107 Applicable for Residents of the State of Alaska Form Number: PPfEW-RDRI-AK 06!07 Applicable for Residents in the States of Arizona and Indiana Form Numbos: EW-IND-CCSG107/07, EWIND-CCSG2 07/07, EW-IND-OSBN107107, EW-IND-OSBN2 07107 Applicable for Residents of the State of Kentucky Form Number PPlEW-RDRI -KY 05/07-In the Termination or Cancellation section: The comparry has the right to caned the polity at arty time by sending a written notice at least seventy-five (75) days in advance to you at yow last known address. Applicable for Residents of the State of Oklahoma Form Number: PPlEW-RDRl-OK 07/07•The following is added to yow Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive arty inswer, makes any claim for the proceeds of an inswance policy containing any false, incomplete or misleading information is guilty of a felony. Applicable for Residents of the State of Oregon Form Number EW-RDRI-OR 05107-In the E:dasions section the following is removed: 3. fraud or abuse or illegal activity of any kind by the cardmember; Applicable for Residents of the State o(South Dakota Fonn Number PP/EW-RDRI-SD 05107 Applicable Cor Residents of the State of Texas Form Number: EW-IND-TX 07!07 Applicable for Residents of the State of Vermont Form Number: PP/EW-RDRl-VT 05107 Description of Coverage Underwritten by AMEX Assurance Company, Administrative Office, 4g0 Pilgrim Way, Suite 14011, Green Bay, WI 54304 Pwdrase Protection provides coverage for Yow pwchases for ninety (90) days from the date of purchase when You charge anY portion of the price of the pwchased item to Your Account. You will be reimbwsed only for the amount charged to Your Account. (See Description of Benefits section.) Definitions Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Whoever used herein, the singttlar shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express Card Account. Cardmember means a person who has been issued a United States of Amoica based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puoto Rico or the U.S. virgin islands. Covered Inddrnt means the theft of, or damage, whether by acddent or vandalism, to any one item of property purchased worldwide as a gift or for posonal or business use and charged to Your Account. Company means AMEX Assurance Comparry, and its duly authorized agents. Current and in Good Stranding means a Cazdmembo Account for which the monthly minimum requvement has been paid prior to the date in which the claim is payable. Master Policyholder means American Express Travel Related Services Cmnpany, Inc. Permanent Residence means the one primary dwelling place where the Cardmembo resides and to which they intend to return. Is1an means the Policy and the benefits described therdn. Platinum Cardmember means a Cardmembo who has a Platinum Charge Cazd (required to be paid in full monody), a Corporate Platinum Card, or a Fidelity American Express Platinum Cazd. Any othu Cazd which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits. Polity means the Group Insurance Marto Policy (AX0951 issued to Amuican Express Travel Related Services Company, Inc.). We, Us, Oar means the Company. You, Yow means the Cardmember. Description of Benefits We will pay You the expense charged to Yow Account up to $1,000 for arty one Covered Incident and up to $50,000 for all Covered incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Yow Account Ow benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or othu service charges or arty product rebates, discounts or money received from (owes[ price comparison programs that reduced the original cost of the property. Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cazdmember has a legal and equitable right to any insurance benefit that may be available under this Plan. Exclusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: t. war or any act of war, whethu declared or undeclared; 2. any aztivity dvesly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations; 3. partidpation in a riot, civil disturbance, protestor insurrection; 4. violation of a criminal law, offense or infraction; 5. natwal disasters, induding, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in FDR 974934 the course of nature, that occurs at the same time or in separate instances; 6. fraud or abuse or illegal activity of any kind by the Cardmember: 7. confutation by any governmrntal authvrity, public authority, or customs official; 8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cazdmember has been temporarily placed; 9. not being reasonably safeguarded by You; 10. theft from baggage not carried by hand and undo Your personal supervision or undo the supervision of a traveling companion known by You; 11. damage through alteration (including, but not limited to, cutting, sawing and draping); 12. normal wear and tear, inherent product detector manufacturer's defects or normal course of play; 13. damage or theft while undo the care and control of a common cazriu; 14. food spoilage; or 15. leaving property at an unoccupied construction site. For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for loss caused by any of the euluded events described below. Loss will be considered to have been caused by an excluded event if the occurrences of that evrnt directly and solely results in loss, or initiates a sequence of events that result fr loss, regardless of the nature of arty intermediate or fatal event in that sequence. Purchases Not Covered The following purchases aze not covered: 1. travelers checks, tickets of a~ kind, negotiable instruments (including, but not Bmited to, gift certificates, gift cards and gift checks), cash or its equivalent: 2. animals or living plants; 3. rare stamps or coins; 4. consumable or perishable items with limited life spans (including, but not limited to, pufume, light bulbs, batteries); 5. antique or previoudy owned items; 6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or azcessories; 7. stolen or damaged property consisting of articles in a pair ar set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any spedal value they may have had as par of a set or collection; items purchased for resale, professional, or commercial use; 9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring andlor tilt, 10. business fixtures, including, but not limited to, air conditioners, refrigerators, heatus; and 1 t. hospital, medical and dental equipment and devices. Claims Provisions If You experirnce a loss for which You believe a benefit is payable undo this Plan, You must provide both Notice of Claim and Proof oELoss. To insure prompt processing of Your claim, report arty theft or damage immediately following the date of the Covued Incident, including for gifts purchased with the Card Retain Your receipts and lour damaged proputy (if applicable) until the claim process is complete. Notice of Claim Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-312-t277 or, if from Overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 902, Golden, CO 80402-0402. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce arty benefit paymrnt that may be found tv be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice oEQaim, We will assist You with Your Proof of loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to coopuate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of Us. Proof of Loss Proof of Loss requ"vex You to send Us all the information We request, at Your expense, in ordu that Your claim maybe evaluated and that We may make a determination as to whethu the claim may be paid. You must provide Us with satisfactory Proof of Loss within thtrty (30) days (for residents of North Dakota sixty (60) days) aftu We have provided You with instructionsand/or a claim form in response to Your Notice of Claim or Your claim maybe drnied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is recdved. Proof oELoss may require documentation consistng of, but not necessarily limited to, the following: 1, a Purchase Protection Claim Form; 2. the original itemized store receipt; 3. the insurance declaration forms for Your othu sources of insurance or indemnity (e.g., homeowner s or renter s insurance); 4. a photograph of andlor repair estimate for the damaged proputy; and 5. for theft and vandalism claims, a repot regarding the stolen or vandalized property must be fded with the appropriate authority before You call to file a claim undo Purchase Protection. No payment will be made on claims not substantiated in the manner required by Us. If all required documentation is not received within thirty (30) days (for residents of North Dakota sixty (60) days) of the date of the Covued Inddrnt (except for documentation which has not been furnished for reasons beyond Your ventral), covuage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to send in the damaged property at Your expense far further evaluation of Your claun. If requested, You must send in the damaged property within thirty (30) days (for residents of North Dakota sixty (60) days) from the date of Our request to remain eligible far coverage. Payment of Claim A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Arty payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided undo the Description of Benefits section. General Provisions Change of Permanent Residence If the change is to a different state, Your Policy provisions may be adjusted to conform to the requirements of that state. Qcrical Error A clericd uror made by the Comparry will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Fedual law, the Plan is hereby amended to comply with such law. Entire Contact; Representation; Change This Description oCCoverage, the Policy and any applications, endorsemems or riders make up the entire contract. Any statement You make is a representation and not a warranty This Desaip[ion of Coverage may be changed a[ any time by written agreement between the Master Policyholder and the Company. Only the President, Vice- President or Secretary of AMEX Assurance Compatry may change or waive the provisions of the Description of Coverage. No agent or othu person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Mastu PoBryholdu and maybe examined at any time. Fscess Coverage If any loss under this Policy is insured under atry other valid and collectible policy, then this Polity shall cover such loss, subject to its exclusions, conditions, provisions and othu terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid. Fraud If any request fm benefits made under the Plan is determined to be traudulrnt, or if arty fraudulent means or devices aze used by You or by alone acting on Your behalf to obtain brnefits, aIl benefits will be for&~ted. We do not provide coverage to a Cazdmembu who, whether before or afro a loss, has: 1. concealed or misrepresented arty fad upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or 2. concealed or misrepresrnted arty fact if the fact misrepresented contributes to the loss. Legal Actions No legal action may be brought to recovu against this Plan until sixty (60) days afro Proof of Loss has been received by Us. No such action may be brought afro three (3) years (far residents of Arkansas five (5) years and residents of Missouri ten (10) years) frortr the time writtrn Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recovu from You any amount exceeding the maximum amount payable. Subrogation In the event of any payment undo this Polity, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute aU papers required and shall du everything necessary to secure and preserve such rights, including the execution of such documrnts necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entltled to a recovery as stated in these provisions only af[u You have been fully compensated fur damages by another party. For residents of Louisiana, the Right of Recovey, Subrogation and Excess Coverage sections are revised to reflect: If the Comparry makes arty paymrnt under this Policy and the Cardmembu has the right to recover damages from another, the Company shall be subrogated to that right. Howevu, the Company's right to recover is subordinate to the Cardmember's right to be fully compensated. Termination or Cancellation Coverage will cease on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Vfrgin Islands; 2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred; 3. the date the Polity is cancelled; 4. the date You are no longer a Cardmember; 5. the date Your Account ceases to remain Current and in Good Standing; or 6. the date the Plan is not available in the location where You maintain a Permanent Residence. Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other toms of the Policy. The Company has the right to cancel the Polity at any time try sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice wiB include the reason for cancellation. Important Additional information For Yoa For those eBgible and enrolled in the Membership Rewards" program, benefits are also paid when the purchased FDR 974934 property is received through the redtmtptlon of a Membership Rewards redemption certificate. Paymrnt or coedit will not exceed the original assigned value of the property received through redemption of a Membuship Rewards redemption certificate up to the stated limits, excluding shipping and handling exprnses. Brnefits will not be paid when a Membership Rewards redemption certificate has been transferred to anon-eligible Cazdmember or non- Cazdmembus. This Description of Coverage replaces arty other Description of Cwuage that You may have previously received for Purchase ProteMion. This ncacriptiem of Covera6e is an important document. Please read it and keep it in a eaife place. [N WITNESS WHEREOF, We have caused this Description of Coveage to be signed by Our offices: ~~" .~~ Joy A. Hanson, Presidrnt John M. Collins, Secretary AMEX Assurance Compatty AMEX Assurance Compatry PP-DOC-CCSG102l07 Applicable for Residents of the State of Kentucky In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. Md replaced with the following: The Company has the right to caned the Polity at arty time by sending a wrttrn notice at least sevrnty-five (75) days in advance m You at Your last known address. The notice will include the reason for canceiafion. PP/EW-RDRI-KY 05!07 Applicable for Residents of the State of Oregoa In the Fadasioos section the following aze removed: 4. violation of a criminal law, offense or infraction; 6. fraud or abuse or illegal activity of any kind by the Cardmembe; The Proof of Lola section is hereby removed in its entirety and replaced with the following: Proof of Loss Proof of Loss requires You to send Us all the information We request, at Yottr expense, in ordu that Your claim maybe evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within ninety (90) days after We have provided You with instructions and/or a claim form in response to Your Notice of Qaim or Your claim may be denied. Your Proo(of Loss documrntation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. Purchase Protection Claim Form; 2. the original itemized store receipt; 3. the insurance decluation forms for Your other sources of insurance or indemnity (e.g., homeowner's or rrnter s insurance); 4. a photograph of and/or repair estimate for the damaged property; and 5. or theft and vandalism claims, a report regazding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim undo Purchase Protection. No payment will be made on claims not substantiated in the manner required by Us. if all required documentation is not received within ninety (90) days of the date of the Covued Incident (except for documentation which has not bern furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to prmvde all required documentation We request. You may be required to send is the damaged property at Your expense for furihu evaluation of Your claim. If requested, You must send in the damaged property within ninety (90) days from the date of Our request to remain eligible for coverage. PP-RDRl-OR 05!07 Applicable for Residents of the State of South Dakota The Legal Actions section is hereby removed in its entirety and replued with the following: Legal Actions No legal action may be brought to recove against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after six (6) years from the time Proof of Loss is required to be given. PP/EW-RDRI-SD 05/07 Applicable for Residents of the State of Vermont In the Termination or Cancellation section the following is removed: The Comparty has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. Md replaced with the following: The Compatty has the right to cancel the Poliryby sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. PP/EW-RDRI-VT 05107 Applicable for Residents of the State of Alaska The opening pazagraph in the Exclusion section is removed in its entirety and replaced with the following which is added and made part of the Description of Coveragr. These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. Benefits aze not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or causedby: The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Legal Actions No legal action may be brought to recwe against this Plan until Sixty (60) days after Proof of Loss has been received by Us. No such action may be brought aker three (3) years from the time Proof of Loss is required to be given. If there aze arty claims the three yeaz timeframe does not begin to run until after the claim has been denied. PPlEW-RDRl-AK 06!07 Applicable for Residents of the State of Oklahoma The following is added to your Description of Coverage: WARNING: Arty peson who knowingly, and with intent to injure, defraud or deceive arty insurer, makes arty claim for the proceeds of an insurance polity containing any false, inwmplete or misleading information is guilty of a felony. PP/EW-RDRI-OK 07107 The following form nambes aze applicable to residents in the following states: Arizona and Indiana, Form Numbers: PP-IND-CCSGI 07/07, PP-IND-CCSG2 07!07, PP-IND-OSBN107/07, PP-IND- OSBN2 07/07 Texas, Form Number: PP-IND-TX 07/07 Travel Acddrnt Insurance is underwritten by AMEX Assurance Company, Administraive Office, Green Bay, WI. Coverage is detemined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice to you. This documrnt does not supplement or replace the Policy Please tall as at the number at 1-800-437-9209 for a complete copy of your terms and conditions or if you need to file a claim. Travd Accident Ltsurance provides accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, helicopter, ship, or bus) when the entire Farc has been charged to the Card. As a benefit of Cazdmembership, the Covered Puson will receive a benefit level of coverage depending on the type of American Express Card account to which the entire fare for the Common Carrier Conveyance was charged for the covued trip. Covered Persons include the basic Cazdmember, each additional Cazdmember, and each of these Cardmember's spouses or domestic partners and dependent children undo 23 years of age. All Covered Persons must have a permanent residence within the 50 United States of American or the District of Columbia. All othu persons are nut Covered Persons under the Policy. The capitalized terms used herein shall have the meaning assigned to such terms in the Policy Please note that certain [eons contained in this summary aze defined within the full policy donunent. Description of Benefits Acddental Death and Accidental Dismemberment. The Plan provides cwuage for acddrntal death and dismemberment due to a loss from an injury while coverage is in force under the Policy, but only if such loss occurs within 100 days aftu the date of the accident which caused the injury. If more than one loss is sustained, benefits will be paid for the greatest loss. Benefits aze paid according to the following schedule: • Loss of Life - 100% • Loss of both hands or both feet - 100% • Loss of one hand and one foot - 100% • Loss of entire sight of both eyes -100% • Loss of entire sight of one eye and one hand or one foot - 100% • Loss of one hand or one foot - 50% • Loss of the entire sight of one eye - 50%. Common Carrier Benefit. This brnefit is payable if the Covered Puson sustains accidrntal death or dismemberment as a result of an acridrnt which occurs while riding solely as a passenger in, or boazding, or alighting from, or being struck by a Common Cazrier Conveyance on a covered trip. Exposetre and Disappearance. If the Covered Person is unavoidably exposed to the dements because of an accident on a covered trip which results in the disappeazance, sinking or wrecking of the common carrier conveyance, and if as a result of such exposure, the Covered Person suffers a loss for which benefits aze otherwise payable under the Polity, such loss will be covered under the PoBry; if the Coveted Person's body has not been found within 52 weeks afro the date of such acddrnt, it will be presumed subject to there being no evidence to the contrazy, that the Covered Person suffued loss of life as a result of injury covered by the Polity Beneficiary The Basic Cazdmember may designate a beneficiary or change a previously designated brneficiazy for himself or herself and his ar hu spouse or domestic parinu and dependent children who aze not Additional Cazdmembers. M Additional Cardmember may designate a beneficiary or change a previously designated brnefiaazy for himself or huself and his or hu spouse or domestic partner and dependent children who are not also the Basic Cardmembu, the Basic Cazdmember's spouse or domestic partner or children, or Additional Cardmembers. Tf no beneficiazy is designated benefits will be paid to the surviving person or equally to the surviving persons in the fast of the following classes: spouse or domestic partnu; children, equally per stirpes; and the estate. E%ClU.4iOn5 The Policy contains the following exclusions: • suicide or self-destruction or any attempt thereat, while sane or insane; intentionally self-inflicted injury, suicide or arty attempt thueat, while sane • war or any act of waz whether declazed or undeclared; however, any act committed by an agent of arty government, party, or faction engaged in war, hostilities, or other wazlike operations provided such agent is acting secretly and not in connection with any operation of armed Forces (whether military, naval or air forces) in the country whue the injury occurs shall not be deemed an act of war • injury to which a contributory cause was the commission of or attempt to commit an illegal act by or on behalf of the Covued Person or his/her beneficiaries • injury recdved while serving as an operator or crew membu of any coweyance • injury received while driving, riding as a passrngu in, boazding or alighting from a rental vehicle • injury received during or as a result of commutation • sickness, physical ar mental infirmity, pregnancy, or arty medical or surgical treatment for such conditions, unless treatment of the condition is required as the direct result of an injury. Termination or fancellation Coverage under the Policy will cease on the eazliest of the following: FDR 974934 • the date the Covered Puson no longu maintains a permanrnt residence in the 50 United States of America or the District of Columbia • the date we determine that the Covered Person or someone on the Covered Persons' behalf intentionally misrepresented or fraud occurred • the date the policy is cancelled • the date the basic Cardmembu's account ceases to remain currrnt and in good standing • the date the Plan is not available in the location where the Covued Person maintains a permanent residrnce. The Compaq has the right to cancel the Policy at arty time by sending a written notice at least forty five (45) days in advance to you at your last known address. The notice will include the reason for cancellation. Form Numbers: TAI-DOC 03/07 Forms fn addition to those listed above are also applicable to residend in the following states: Comecticut, Form Numbu: TAI-RDRI-CT 03107 Illinois, Form Numbu: TAI-RDRI-iL 03!07 Kaesaa, Form Numbu: TAI-RDRI-KS 03!07 Maine, Form Numbu: TAI-RDRI-ME 03/07 Minnesota, Form Numbu: TAI-RDRI -MN 03/07. In the Exclusions section the following replaces the exclusion regarding illegal acts: injury in which a contributory cause was the commission of or attempt to commit a fclorry by or on behalf of the Covered Person or his brnefidaries. Nevada, Form Numbu: TAI-RDRl-NV 03/07. In the Termination and Cancellation secfion the forty five (45) day advance written notice is replaced by a sixty (60) day advance written notice. New York, Form Numbu TAI-RDRI-NY 03!07. Coverrd Pusons does not include language requiring a permanent residence within the 50 United States of American or the District of Columbia. The following replaces the exclusions found in the Exclusion section: • suicide, attempted suicide or intentionally self-infiided injury • war or any act of waz, whether declared or undeclared; participation in a felony, riot or insurrection; service in the Armed Forces or units auxiliary thereto • injury m which a contributing cause was the Cavued Person's commission of or attempt to commit a felon or to which a contributing cause was the Covered Person's being engaged in an illegal occupation • sickness, except for an infection that was the result of an Injury • mental or emotional disorder • pregnancy, except complications of pregnancy and except to the ertrnt covuage is required pursuant to Section 3221 of the New York Insurance Law • the consequrnce of the Covered Person's being intoucated or under the influence of arry nazcotic unless administered on the advice of a physidan. [n the Termination and Cancellation section the following is removed in its entirety: the date the Covued Puson no longu maintains a permanent residence in the 50 United States of America or the District of Columbia. In the Termination and Cancellation section the following replaces the language regarding misrepresentation orfraud: the date we determine that the Covered Person or someone on the Covued Pusons' behalFintentionally misrepresented or fraud occurred in a writtrn instrument signed by the Covued Pusoa. North Carolina, Form Numbu: TAI-RDRI-NC 03!07 Oklahoma, Form Number: TAI-RDRI-OK 03107. In the F,xdusions section the following replaces the exclusion regazding war: waz or act of waz, declared or undeclazed, while serving in the military service or any auxiliazy unit attached thereto. Texas, Form Numbu: TAI-RDRI-TX 03/07. Covered Persons include dependent children under 25 yeazs of age who are stepchildrrn; adopted or a party to a suit to be adopted children; grandchildren who are unmarried and dependent on the Cazdmember for tax purposes at the time the application for covuage is made; and physically or mentally handicapped children who aze unmarried, cannot self-support themselves, and aze beyond the termination age. Vermont, Forn Number TAl-RDR 1-VT 03/07. In the Exclusions section the following replaces the exclusion regarding suidde: suidde or self-destruction or any attempt thueat, while sane; intentionally self-infiicted injury, suidde or arty attempt thueat, while sane. Iri the Exclusions section the following replaces the exclusion regazding specific conditions: sickness, physical infirmity, pregnancy, or arty medical or surgical treatment for such conditions, unless treatment of the condition is required as the direct result of an injury. Description of Coverage Car' Rental Loss and Damage Insurance provides the Cazdmember, if the Cazdmembu is the primary rrntu, (as defined below) with insurance coverage for damage to or theft of most Rental Autos whrn the Cazdmembu uses the Cazd (as described below) to reserve and pay for an auto rental from any Commucial Car Rental Company ("Rrntal Compaq°) othu than those located in Australia, Ireland Israel, Italy, Jamaica, and New Zealand.' This coverage is always excess insurance. Rental Anto means afour-wheeled, two-axle passrnger- typemotorvehicle, designed for and sold to accommodate private passrngu transport on public roads. Who is Eligible for Coverage You are eligtble for coverage if: I. You aze a Basic or Additional Cazdmember and an American Express' Card or Optima` Cazd in assodation with that Cazd (the "Cazd°) has been issued to you in your name; 2. You aze of an account slams and lass that is provided Car Rrntal Loss and Damage insurance as a brnefit of Cazdmembership ("Cazdmember ); 3. Your Cazd account is billed from a U.S. operating center in U.S. dollazs; and 4. You maintain your Permanent Residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Lslartds. Permanrnt Residence means the Covered Person's one primary dwelling place where the Covered Person permanently resides and intends to return. A Personal, Gold, or Rewazds Plus Gold Cazdmember who is enrolled at an accredited four-year college, university or graduate school in the United States and is receiving student benefits provided as a benefit of Cardmembership is not eligrble for benefits undo this Polity. Commerdal Car Rental Company or Cu Rental Company means any commercal car rental agency which rents Rental Autos.' For the purposes of this Description of Coverage, Commercial Caz Rental company means "Rental Comparry.° How to Activate Coverage Coveage for theft of or damage to a Rental Auto is activated when the Cazdmember:' I. presents his or hu eligible Card to the Rental Company [o reserve the Rental Auto by making a reservation; or by plating a hold or deposit at the time the Rental Auto is checked out; 2. declines the full Collision Damage Waivu or similaz option (CDW), or pays for a partial colBsion damage waiver, offued by the Rental Company; 3. is the primary rentu, wMch is defined as the Cazdmember, who is named on the writtrn agreement with the Rental C.ompatry as the person renting and taking control and possession of the Rental Autu ("Primary Renter°); and 4. uses the Card to pay for the entire auto rental from the Rental Company at the time of vehicle return. Coverage continues in effect while the Cazdmember remains in control and possession of the Rental Auto. A Cazdmember, who is physically challenged and unable to operate the Rental Auto, maybe the Primazy Rrntu if helshe is the Cazdmember entering into the rental transaction. When Coverage Terminates Coverage for theft of or damage to the Rental Auto terminates when: I. the Rental Company resumes control of the Rental Auto, or 30 consecutive days after the Rental Auto was checked out, whichever is eazlier; or 2. the Polity is cancelled. Length of Covuage Caz Rental Loss and Damage Insurance covers eligible Rental Autos when rented undo a written rental agreement from a Rental Company for no more than 30 consecutive days. Note: In no event steal! coverage be provided when the Cazdmember rents a Rental Auto beyond 30 consecutive days from the same Rental Company, regardless of whether the original agreement is extended or a new written agreement is entered into, or a new vehicle is rented. Additionally, no covuage will be provided when the Primary Rrntu rents a Rental Auto for more than 30 consecutive days out oEa 45-day period within the same geographic mazket4ocation (75 mile radius). What is Covered Caz Rental Loss and Damage Insurance rdmburses a Cazdmember for payments for damage to or theft of a Rental Auto that the Cazdmember is required to make, up to the lessu of: l) the actual cost to repair the Rental Auto, 2) the wholesale Bookvalue minus salvage and depreciation costs, or 3) the purchase invoice price of the Rental Auto minus sahage and depredation costs. The coverage also reimburses the Cazdmember for reasonable charges (those charges incurred at the closest facility that are usual and customary in the vicinity in which the loss or disablemrnt took place) imposed by the Rental Company, such as towing or storage and Loss of Use. Loss of Use means the unavailability of a Rrntal Auto and consequent loss of revenue by the Rental Company due to damage or theft. Unless otherwise required by law, the Rental Company must submit a fleet utilization log indicating that during such time: I. no othu Rental Auto was available; and 2. there was a demand for a Rental Auto. Caz Rrntal Loss and Damage Insurance covers no othu type of loss. Fur example, in the event of a collision involving the Cardmember's Rental Auto, damage to any other driver's car or the injury of anyone or anything is not covered. Note: This policy does not provide liability or any other coverage such as Uninsured Motorists, Gene, fats under any Worker's Compensation law, Disability benefits law ar other mandated Government Plans. What Excess Coverage Means Caz Rental Loss and Damage Insurance is an excess insurance plan. This means that this excess covuage will reimburse the Cardmerobu only for losseslexpenses not covered by plans, such as a partial collision damage waiver, any pusonal auto insurance, employu's auto insurance or reimbursement plan or other sources of insurance. When these other plans apply, a Cazdmemlxrc must first seek payment or reimbursement and receive a determination based on the stated terms of such other Plans, that any such Plans do not provide coverage before this excess coverage will reimburse the Cazdmember. Vehicles Not Covered Caz Rental Loss and Damage insurance does not cover rentals oF. I. expensive cazs, which means cazs with an original manufacturu's suggested retail price of 550,000 or more when new; 2. exotic cars regardless of yeaz or value, including but not ]'united to Chevrolet Corvette, Toyota Supra, Mazda RX-7, Dodge Vipu and Stealth, Plymouth Prowlu, Mitsubishi 30W GT, Nissan 300 ZX, Jaguaz XJS, Acura N.SX, Mucedes SL, SLK, S Coupe and E320 Coupe and Convertible, BMW M3, Z3 and 8 Series, Cadillac Allante and all Porsche, Ferrari, Lamborghini, Maserati, Aston Martin, Lotus, Bugatti, Vector, Shelby Cobra, Bentley, Rolls Royce; 3. trucks, pick-ups, cazgo vans, custom vans; 4, full-sized vans, including but not limited to, Ford Econoline or Club Wagon, Chevy Van or Sportvan, GMC Vandura and Rally, Dodge Ram Vans and Ram Wagon; 5. vehicles which have been customized or modified from the manufacturer's factory spedfications except for driver's assistance equipment for the physically challenged; 6. vehicles used for hire or commercial purposes; 7. mini-vans used for commerdal hire; Note: Passenger Mini-Pans (not Cargo Mini-Pans) with factory specified seating capacity of 8 passengers or Jess, including but not limited to, Dodge Caravan, Plymouth Voyager, Ford lYndstar and Nissan Quest, are covered when rented jor personal ar business use only. FDR 974934 8. antique cars, which means cars that are 20 years old or have not been manufactured for 10 or more years; 9, limousines; 10. full-sized sport utility vehicles, fncluding but not limited t0. ChevroledGMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota land Cruiser, Lotus LX450, Range Raver or full-sized Ford Bronco; 11. sporUutilityvehicles whm driven "off-road' ;and Note: Compact sporNutility vehidu, indudingbut not limited to Ford Explorer, Jeep Grand Cherokee, Nissan Path~nder, Toyota Four Ronne, Chevrolet Blazer and lsuzu Trooper and Rodeo are covered when driven on paved roads. 12. off-road vehicles, motorrycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers and arty other vehicle which is not a Rental Auto. Losses Not Covered Caz Rental Loss and Damage Insurance does not cove losses caused by or contributed to by: 1, opeation of the Rental Auto in violation of the terms and conditions of the Rental Company agreement (including but not limited to losses occurring whm: a person not permitted to operate the vehicle pursuant to terms of the rental agreement was in possession or control of the vehiclr, or, driving the vehicle outside of the authorized rental territory); 2. leased armini-leased vehicles; 3. costs attributed to the Commercial Car Rental Compatry's normal course of doing business; 4. intentional damage; 5, illegal activity, such as losses where the kental Aulo was used for, or iwohn:d in illegal activity or felony; 6. pre-existing conditions, damage or defect; 7. alwhol intoxication on the pazt of the driver, as defined in the state whee the Acddrnt occurred; 8, voluntarily taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); 9. waz or military activity; 10. radioactivity; 11, confiscation by authority; 12. wear and teaz, including gradual deterioration; l3. damage which is due and confined to freezing, mechanical or electrical breakdown or failure unless such damage results from a theh covered by the Policy; 14. failure to return keys to the Rental Company when the vehicle is stolen; I5. theft or damage to unsecured vehicles; lei. theft of or damage to tires (flats or blowouts), unless damaged by fire, malidous mischief, vandalism, or stolen, unless the loss is coincident with and from the same cause as othu loss coveed by the Policy; and 1.7. off-road operation of the vehicle. Car Rental Lass and Damage Insurance does not cover, and benefits will not be paid for: 1. sales tax related to repair of damages, unless reimbursement of such sales taxis required by law; 2. damage to arty vehicle other than the Rental Auto; 3. damage to arty property othu than the Rental Auto, owner's property, or items not permanently attached to the Rental Auto; 4. the injury of anyone or anything; i. espenses assumed, waived or paid for by the Rental Company or its insure; 6. expenses covued by the Cazdmember's personal auto insurer, employer or employer's insurer, or authorized drive's insure; 7. value added tax or similar tax, unless reimbursement of such tax is required by law; 8, diminishmentofvalue; 9. any Rental Auto used for hire or commercial purposes; and to. depredation, unless reimbursement for depredation is required bylaw. liow to File a Claim Notification of damage, including vandalism, theft, or an accident must he reported m the appropriate law enforcement agency as soon as reasonably possible. Thfs requirement applies regardless of whether the Rental Auto is invoHed with othe vehicles. Failure to notify may result in denial ofbrnefits. If a loss occurs, a Cardmember should promptly notify the Car Rental Loss and Damage Claims Unit toll fine at (800) 338-1670 in the U.S. only or call (440) 914-2950 from other locations woridwi~e. If the failure of a Cazdmembe to promptly report a loss prejudices the rights of the Insurer, the claim maybe denied. A represrntative will answu arty questions a Cazdmember may have and will send the Cardmember a clauo form with instructions. Complete and sign the claim form. Writtrn proof of loss, which includes the claim form and all other requested documrntation (listed below), must be received within 60 days following the date of the damage or theft by: American Express Car Rental Loss and Damage Claims Unit, PO Box, 94729, Cleveland Ohio44101-4729. If the proof of loss and other documentation is not received within 60 days of the date of loss, coverage may be denied. Required documentation may consist of, but is not limited to: I, our signed and completed claim form; 2. an itemized repair bill; 3. a copy of charge slip for the rental of the Rental Auto, Rental Au[o contract or machine generated receipt to show rental was charged and paid for with an American Express Cazd; 4. a police report (if applicable); 5. photos of the damaged vehicle, iE available; 6. a copy of the Cardmembu's, authorized driver's or employu's auto instuance coverage, or a notarized lette stating no insurance; 7. a copy of all claim documents and correspondence, provided by the Caz Rental Company; 8. a copy of the Rental Comparry's utilization log; 9. a copy of the driver's license of the Cardmember and/or authorized driver, unless the driver's license numbu shows on the rental agreement; t0. a copy of the written rental agreement, front and back, which documrnts whm the Rental Auto was chedted out and checked in; and I I. information pertaining to otlte available insurance coverage(s). Cardmember cooperation with issues related to their benefits is required. If all required documentation is not received within 180 days of the date of loss (except for documentation which has not been famished for reasons bryond the Cazdmember's control), coverage may be denied. How Benefits are Paid All Caz Rental boss and Damage Insurance payments reimbursable under the policy are payable to the Cazdmembu: except that payment may be made, at the discretion of the insurer, jointly to the Cardmember and the Commercial Car Rental Comparry when the Caz Rental Company has not been reimbursed for the cwued loss or damage, or the Cardmembu has not validly assigned his/her payments to the Rental Company or any othu party. Note: Benefits will not be paid if, on the date of loss, on the date of claim filing, or on the date of potential claim payment, any amount due on Your Card account is past due or Your Card is cancelled.' Rights of Recovery• In the event of a payment undo this Policy, the Insure is entitled to all the rights of recovey that the Cazdmember, to whom payment was made, has against another That Cazdmembe must sign and deliver to the Insurer any legal papers relating to that recovery, do whateve else is necessary to help the insurer execise those rights and do nothing after loss to harm the Insuru's rights. When a Cazdmembu or Commudal Caz Rental Comparry has been paid damages under Policy No. AX0925, and also recovers from another, the amount recovered from the other shall be held by that Cardmember or Commercial Car Rental Company in trust for the Insurer and reimbursed to the extent of the Insurer's payment. As a condition precedent to coverage, the Cazdmembe is required, and has a duty to fully cooperate with the Insurer in any investigations, subrogation matters or legal proceedings by providing copies of any and all legal notices and any and all statements, including sworn statemrnts and wntributing any other papers and documents to reasonably assist in the disposition of the legal matte. Notification of Legal Action When a Cardmember is served with suit and/or summons papers relating to a Caz Rental Loss and Damage claim, the Cardmember must notify (see address and phone number undo Claims Notice section) and provide copies of the suit or summons papas to the Car Rental Loss and Damage claims unit within I S days of when the Cazdmember is served. Failure to comply may result in denial of benefits. Additional Information for You This coverage is underwritten by AMEX Assurance Compatry ("Insurer") through insurance Policy AX0925 (the "Policy") issued to American Express Travel Related Services Compatry, Inc. and its participating subsidiaries, affiliates and licensees. The Policy may be dtanged or terminated. This Description of Coverage is an important documrnt. Please keep it fn a safe place. Although it describes the present form of insurance as it exists at the time of printing, this document is not the Polity or contract of insurance. The brnefits described in this document are subject to all of the terms, conditions and exclusions of the Policy issued by the underwrites This document replaces arty prior Description of Covuage under the Policy which may have been furnished to the Cardmembu. ~.-~w ., ~y t Joy A. Hanson, President John M. Collins, Secretary AMEX Assurance Company AMEX Assurance Company CRLDI-DOC-CCSG I1/OS 1. For those eligible and enrolled in Membership Rewards, if a Membership Rewards redemption certificate is used, coverage is provided only to Rental Autos rented in the United States. 2. When used in conjunction with a Membership Rewards redemption certificate, the particfpatirtg Car Rental Companies are limited to Hertz, National and Budget. 3. If eligible and enrolled in Membership Rewards, coverage is also activated when the Cardmember (1) presents a Membership Rewards redemption cert~ate and (2) uses a Membership Rewards redemption cent f care at aparticipating Commercial Car Rental Company. Important note far those enrolled in Membership Rewards: A Membership Rewards redemption certificate can only be redeemed by eligible Cardmembers. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to non-eligible Cardmembers and/or non-Cardmembers. 4. Does not apply to New York State residents. Additional Information for Residents of Louisiana The Rights of Recovery section is replaced with the following: If the Compary makes any payment undo this Policy and the Cardmember has the right to recovu damages from anothu, the Company shall be subrogated to that right. However, the Company's right to recove is subordinate to the Cazdmembu's right to be fully compensated. CRLDI-RDRI-LA 11/OS Additional Information for Residents of South Dakota Under Losses Not Covered, item numbe 5. is replaced with the following: Caz Rental Loss and Damage Insurance does not cover losses caused by or contributed to by: S. violation of criminal law, or commission of a criminal act, whethe cited or charged; Under Losses Not Covered, item number 7. is replaced with the following: Car Rental Loss and Damage insurance does not cover losses caused by or contributed to by: 7. consumption of alcohol at or fn excess of the legal blood alcohol level for a fdorty coxrviction in the state or locality in which the Accident occurred; CRI.D[-RDRt-SD 11105 Additional Informaflon for Residents of Vermont Under Losses Not Covued, the following item is hereby removed: 7. alcohol intoxication on the part of the driver, as defined in the state whue the Accident occurred; CRLDFRDRI-VT 11/OS Additional Information for Residents of Wiswnsin Under Losses Not Covered, the following items are hereby removed: 5. illegal activity, such as losses where the Rental Auto was used for, or imrohzd in illegal activity or felotry; 7. alcohol intoxication on the part of the drive, as defined in the state where the Accident occurred; 8. voluntarily taking any drag or acting undo the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); FDR 974934 Under Losses Not Covered, the following item is added: I8. The use of the Rental Auto for unlawful purposes, or for transportation of liquor in violation of law, or while the driver is under the influence of an into:ricant or a controlled substance or controlled substance analog, or a combination thereof, or under the influrnce of any other drug to a degree which renders him or her incapable of safely driving, or undo the combined influence of an intoucant and arty other drug to a degree which renders him or her incapable of safely driving, or any use of the motor vehicle in a reckless manner. CRLDI-RDRI-Wi 11105 Additional Information for Residents of West Virginia Under How Benefits are Paid, the Footnote, to the note that reads: Note Benefits will nat 6e paid if, on the date of loss, on the date of claim filing, or on the date of patentia! claim payment, arty amount due on Your Card account is past due or Your Card is cancelled, rs hereby revised to read as follows: Dces not apply to West Virginia and New York State residrnts. CRLDI-RDRl-WV 11!05 Additional Information for Residents of North Carolina A portion of the fees associated with this Cazd aze applied to the insurance benefit. CRLDI-RDRI-NC 11105 The following form numbers are applicable to residents in the following states: Arizona and Indiana, Form Numbers: CRLDI-IND-CCSG 11!05; CRLDI-IND-OSBN 11/O5; CRLDI-IND-PLAT 11!05; CRLDI-IND-CEN 11!05; CRLDI-TND-OSBN-PLAT 11105; CRLDI-IND-End/ 10/08 Texas, Form Numbers: CRLDI-IND-CCSG-TX 11105; CRLDI-IND-OSBN-TX 11105; CRLDI-IND-PLAT-TX I 1/O5; CRLDI-IND-CEN-TX 11105; CRLDI-IND-OSBN-PLAT-TX 11/05. The following is added to the polity: This policy only provides coverage ff you decline the full Collision Damage Waiver offered by the Rental Comparry. This policy is not automobile liability insurance and does not comply with airy fmancial responsibilitylaw. Your personal automobile insurance polity may ar may not provide coverage for your responsibility for the loss of or damage to a rented vehicle during the rental term. Refore deciding whether to purchase a damage waiver, you may wish to determine whether your automobile insurance polity prm~des you coverage for rental vehicle damage or loss. If you fde a claim under your personal automobile insurance polity, your insurance company may choose to no renew your policy at your renewal date, but may do so only if you aze at fault for the claim. A Termination and Caaallation section is added: Coverage will cease on the earliest of the following - the date you no longer maintain a permanent residence in the 50 United States of America or the District of Columbia; the date we determine that you or someone on your behalf intrntionally misrepresented or fraud occurred; the date we cancel the Polity; the date you aze no longer a Cazdmember; or the date the Policy is not available in the location where you maintain a Permanent Residence. If the Polity is cancelled, we will send written notice at least forty five (45) days in advance. We may not cancel ornon-renew this Polity based solely on the fact that you aze an elected official. FDR 974934 DUPLICATE COPY NIERIUW Blue from 'Membelr$hip R~VIIArds Points ~lvailablo American Express8/A at y2/31ro7; wnen Ci,arges iiue are pia in full and all accouhts'are m,good standing: --- Prepared For Account Number Cbsing Date MARY E WENTWORTH XXXX-XXXXX4-51008 01/20/08 Page 1 of 8 New Activity $ (Minimum inc. Ad1ustrnentsand Payment Due Date Previous Balance $ Payment AetivAy $ Fines Charges rf any New Balance $ Amount DUe $ 02/09/08 4,994.80 -150.00 +307.78 '5,152.58 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 01/20/08 9,800.00 4,647.42 500.00 500.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Protect Your Card Account from Financial Emergencies nan Who knew peace of mind could be so easy? Account Protector from American Express helps s during many of life's ups and downs by canceling the minimum monthly payment, up to $500 ® each month of the eligible event term, if you experience a covered event. Account Protector covers 14 different events, including disability, hospitalization and involuntary unemployment. We will even caricel up to $10,000 of your Card account balance upon death. In addition; you never have to repay the benefits--we cancel your debt not just defer it. To Learn More and to take advantage of our 30-day money back guarantee, please visit us at ap.americanexpress.com/accountprotector. Terms, conditions and restrictions apply. Activity ~ Indicates posting date Amount S 12/31l07*` ~'AYMENT ftEGEIV~D''ACH • THANK YOIJ i56(ff)`' New Activity for MARY E WENTWORTH ""'°uMs Card XXXX-XXXXX451008 12/23/07 WAL-MART 1886 MECHANICSBURG PA 114.93 GENERAL MERCHANDISE 01/16/08 SMOKER'S EXPRESS#14NEW CUMBERLAN PA 150.00 717-920-9990 01/20/08 Periodic FINANCE CHARGE 42.85 Total of New Activity 307.78 Please told on the perforation below, detach and return with your payment + ~i0r1f111UBCf 011 /~dg6 3 Pa meet Cou on Account Number Payment Due Date: Please enter your account Y P 3723-738834-51008 py09/Og number on all checks and correspondence. New Balance Make check payable to $5,15258 American Express. III. nli Ltlllltl I 1 III I II .IL.a 'I' ~ ~ III II~~ 11 I ~ ~ 11 ~ (~~~I~ .t III ~ 1 MARY E WENTWORTH Minimum Amount Due $103.00 See Finance Char e section on reverses ide for 1 1 1 POPLAR RD a description of when NEW CUMBERLND PA 1 7070 - 3427 additional Finance Charges are not assessed $ on Purchases. I ' I Check here if your address Amount enclosed or phone number has changed. Please note Mail Payment to: changes on reverse side. ~IJIIIt~~~IIt~IIII~1~ttIIt~II~~tIttI~I~J11~11~1"~"'~I~ttlllll ^ AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 0000372373883451008 00051525800001030D 17 ri 1DUPLICATE COPY AMERICAN 7,7:28 M@rxtk~r$hlp R6Wards~' Ess Blue from Plbiints Available American Express9M arol/s1/os'wnQn Charges sue are paia;,in fulDand all accounts are In goodstanding, Prepared For Account Number MARY E WENTWORTH XXXX-XXXXX4-51008 Cbsing Date 0?J20/08 Page 1 of 8 New Adivay $ °'°' AdiOB11161"e ana Minimum amount Due $ Payment Due Date Previous l3alarae $ Payment Activity $ Finance Charges I any New Belaroe $ 03/11 /08 5,152.58 -200.00 +245.14 =5,197.72 Please referto page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Limit $ i Available Cash Limit $ ne $ Summary Line $ L on 02/20/08 9,800.00 4,602.28 500.00 500.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ~,a,~ BLUE PRO ECTTM .~ ~~ t116 DISCOVER THE ADVENTURE THAT MAKES A DIFFERENCE. ~}"1 ue ~~ ~?~~~, ~~ Help supportthe-coral reef restoration while you have an unbelieveable pro3ect a, ~c vacation experience at Atlantis. Enjoy water slides, shark tanks, dolphins ~''~J )~ J ~ and the sand and sun of Paradise Island in the Bahamas. a, Learn more at atlantis.com/blue3 or call 1-800-ATLANTIS. ACa'v,y~ ~ Irdicates posUrg date Amount $ 01!26/08' PAl'MIENT f3ECEIVEp P,CH -THANK YOU ,. 200;00 . New Activity for MARY E WENTWORTH ~ Amounts Card XXXX-XXXXX4-51008 02J03/08 NATL COLLECTORS MINT800-452-4381 NY 66.80 COLLECTIBLES 02/06!08 SMOKER'S EXPRESS#14NEW CUMBERLAN PA 85.00 717-920-9990 02/18/08 SMOKER'S EXPRESS#14NEW CUMBERLAN PA 50.00 717-920-9990 02/20/08 Periodic FINANCE CHARGE 43.34 Total of New Activity 245.14 Please fold on the perforation below, detach and return with your payment ~ Continued on Page 3 Aa:ount Number Payment Due Date: Please enter your account Payment Coupon 3723-738834-51008 03/11/08 number on all checks and correspondence. M 8 0 N II'III~~11111'~'II1111~'Il~~l~ll~llll~lll~l~ll~~rl~~~ll~ll~lllrl~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 New Balance Make check payable to $ 5,197.72 American Express. Minimum Amount Due See Finance Charge $104.00 section on reverse side for a description of when additional Finance Charges are not assessed $ on Purchases. I ' I Check here if your address Amount enclosed or phone number has changed. Please note Mail Payment to: changes on reverse side. ~1'1111'Il~l~~lllr~l~~~rlllllll~~~llll~~~t~lll'lll'~11~~1~'~I'lll AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 D000372373883457,008 00051977200001D400 17 rt i i DUPLICATE COPY AMBI;irAN :3 Memi~raililp Rewards' Ess glue from Points Available ' American Express $"' o2/2sro$; when charges i~t1E are paid in dt full and atf accounts are rn,goodstanding, Prepared For Account Nrmiber MARY E WENTWORTH XXXX-XXXXX4-51008 Cbsirg Dale 03/21/08 Page 1 of 10 New aotivay $ inc. AdtustmeMs and Minimum Amount Due $ Payment Due Date Previous Balance $ Payment ActivdY $ Finance Charges i1 any New Balance $ ~/1 O/08 5,197.72 -200.00 +2ti8.56 =5,266.28 - Please refer to page 2 for important information regarding your account Clredit Line Total Credit Available Credit Cash Advance Line $ Line $ Limit $ Available Cash Limit $ Summary on 03/21!08 9,800.00 4,533.72 500.00 500.00 See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. activity ~ Indicates posting dale ~rount $ D3l07108*F PAYMENT-RECEIVEp`hCH -THANK YOU 20f:3'40 _ New Activity for MARY E WENTWORTH "~'°°°ts Card XXXX-XXXXX4-51008 02/25/08 TOM'S #7 NEW CUMBERLAN PA 25.00 CONVENIENCE STORE Quantity Description g FUEL 02/27/08 SMO ER'S EXPRESS #14NEW CUMBERLAN PA 100.00 717-920-9990 02/27/08 SMOKER'S EXPRESS #14NEW CUMBERLAN PA 100.00 717-920-9990 03/21/08 Periodic FINANCE CHARGE ~•5b Total of New Activity 268.56 Please told on the perforation below, detach and return with your payment Pa ment Cou n mount Number Y Po 3723-738834-51008 M 0 N N 11111'11'III'I"111111111111111'1'11111111111111'111111"IIII11~1 MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Page 3 Payment Due Date: Please enter your account 04!10!08 number on all checks and correspondence. New Balance Make check payable to $ 5,266.28 American Express. I • I Amount enclosed Minimum Amount Due See Finance Charge $105.00 section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Mail Payment to: II11'I"'11111111'1111111'1"11111111'll'lll'llllll'll"'llll~lll AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Check here if your address or phone number has changed. Please note changes on reverse side. 0000372373883451008 000526628000010500 17 rl DUPLICATE COPY AMERK~4N Blue from ® American ExpresseM - - - Prepared For Account Nrrriber Cbsing Date MARY E WENTWORTH XXXX-XXXXX4-51008 04/21/08 New Acfrvily $ Minimum inc. Adjustments and Amount Due Previous Balance $ Payment Activity $ Finance Charges tl any New Baleurce $ 5,266.28 -200.00 +44.26 05,110.54 Credit Line Total Credit Available Credit Cash Advance Available t;asn Summary Line $ Line $ Limit $ Limit $ on 04/21/08 9,800.00 4,689.46 500.00 500.00 Page 1 of 8 Payment Due Date 05/11 /08 Please refer to page 2 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. 04/21/08 Periodic FINANCE CHARGE 4426 Total of New Activity 44.26 Please told on the pertoratbn below, detach and return with your payment Do not staple or use paper clips Account N,.,,ber Payment Coupon 3723-738834-51008 '111111"I111'IIIIII'll'111111'IIIIIIIIIIII~I11~1~~11111111~~~~11 MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 g 0 a 0 M N Memlt~irsiiiip Elewalyds® Ruints :Available at 03/3Y/08 when charges due are paid:in full and aIF accounts<are rn good standing, Continued on Page 3 Payment Due Date: Please enter your account 05/11/08 number on all checks and correspondence. New Balance Make check payable to $ 5,110.54 American Express. I • I Amount enclosed Minimum Amount Due See.Finance Charge $10200 section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Mail Payment to: I~thlllllllllllllll'llllllllllllll'111'1"I'I"II'llllllllllllll AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 Check here if your address or phone number has changed. Please note changes on reverse side. a 0000372373883451D08 000511054000010200 17 H Act~v~ty * Irdcates posting date Amount $ . .~,.T..~ . _____..__. >04/TO/0$* ` PAYMI=t~T F~~GEIVI=D ACH - THANK YOLI X00.40 New Activity for MARY E WENTWORTH Amuuots cast xxxx-xxxxxa-51ix>s ' DUPLICATE COPY 5 Blue from ® American Expresse"' Prepared For Account Number MARY E WENTWORTH XXXX-XXXXX451008 `<Membersl~iip ~ewards~' Points Available aC04/3Q/(f$,; when Gharges,dUe arE paid in ..full and aU accounts are rn gaod stending, Cbsing Date 05/21/08 Page 1 of 8 New Activity $ Minimum inc. Adjustments and Payment Due Date Financz charges if arty New Balance $ Amount Due $ 06/10/08 Previous Balance $ Payment Activity $ 5,110.54 -200.00 +813.70 5,724.24 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 05/21!08 5,800.00 75.76 200.00 75.76 Please note, your credit limit is $5,800.00 and your cash limit is $200.00. To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. '. Transfer balances with a 1.99% APR. Use checks on page 7 Customer -Service ,~ For questions about your Card or account, please refer to page 2 for the appropriate contact s information. ® a Act~v~ty ~ Indirales posting date Amount $ 05/08108* PAYM>;NT RECEIVEDACH -THANK YOU -20.0::00 New Activity for MARY E WENTWORTH Am°°"ts Card XXXX-XXXXX4-51008 04/25/08 SMOKER'S EXPRESS#14NEW CUMBERLAN PA 200.00 717-920-9990 04/30/08 SMOKER'S EXPRESS #14NEW CUMBERLAN PA 100.00 717-920-9990 05/08/08 SMOKER'S EXPRESS #14NEW CUMBERLAN PA 101.27 717-920-9990 Please told on the perforation below, detach and return with your payment Do not staple or use paper clips Acc«,rn Number Paym®nt Coupon 3723-738834-51008 0 0 N N I I'IIII'ii'lilllllll~illlllliillllllllilllii"I"'I'lllillll'li'I MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Mail Payment to: ContMued on Page 3 Payment Due Date: Please enter your account 06/10/08 number on all checks and correspondence. New Balance Make check payable to ~ 5,724.24 American Express. Minimum Amount Due See Finance Charge $114.00 section on reverse side for a description of when additional Finance Charges are not assessed $ on Purchases. l ' I Check here if your address Amount enclosed or phone number has changed. Please note changes on reverse side. I""il"IIIIIIIII'1111'illllllllliilll'llllll'I'I'lll'lllliiilti ^ AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 OODD372373883451008 0005724240000114D0 ],7 d r ~ DUPLICATE COPY AMERICAN Prepared f=or EGRESS MARY E WENTWORTH ~~ Aocounl Number Closing Dale Page 3 of.8 XXXX-XXXXX4-51008 05/21/08 Amount New Activity continued 05/17/08 ATLANTIC SANDS HOTELREHOBOTH BEAC DE 184.02 Arrival Date Departure Date 05/17/08 05/17/08 00000000 CARDEPOSIT 05/17/08 ATLANTIC SANDS HOTELREHOBOTH BEAC DE 1t54.UL Arrival Date Deparlure Date 05/17/08 05/17/08 00000000 CARDEPOSIT 05/21/08 Periodic FINANCE CHARGE ~.dy Total of New Activity 813.70 Finance Charges Average Dail Daily Actual ANNUAL Nominal ANNUAL Periodic E Billing days this period: 30 Balance ~ Periodic Rate PERCENTAGE PERCENTAGE RATE RATE FINANC CHARGE$ Purchases 5,400.30 0.0274% 10.00% 9.99% 44.39 Cash Advances 0.00 0.0555% 0.00% 20.24% 0.00 44.39 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. m 0 0 a LL n D h 7 O N Cl N 1 J DUPLICATE COPY ,944 ann~eiuw Niarniaersh,ilp Re1li-ards~' 55 Blue from ~ Poir>tts Available AmerICA17 EXpreSSBM at 05/31/O8,<when charges due are paid in full~and all accountsare m,good standing, Prepared For Account Nunber Closing Date MARY E WENTWORTH XXXX-XXXXX4-51008 06/20/08 Page 1 of 8 New Actrvily $ Minimum inc. twjustrrrents and Amount Due $ payment Due Date Previous Balance $ Payment Activity $ Finance Charges if any Naw Balance $ 07/10/08 5,724.24 -125.00 +46.79 -5,646.03 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 06/20/08 5,800.00 153.97 200.00 153.97 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Protect Your Identity. Protect Your Credit With CreditSecure® from American Express, you'll get the toots you need to help protect one ® of your most valuable assets--your credit. You'll receive unlimited access to your credit reports and scores from all three national credit bureaus, along with 24/7 credit monitoring, and much more... To learn more, or to take advantage of our 30-day review period, visit us at: americanexpress.com/creditprotection ACt~VIt~/ 'Indreatespostirgdate anountS -06/08/08'> PAYMENT RECEIVED'ACH -THANK YQU ~ -125:Q0' New Activity for MARY E WENTWORTH nm°°M $ Card XXXX-XXXXX451008 06/20/08 Periodic FINANCE CHARGE 46.79 Total of New Activity 46.79 Please fold on the perforation bebw, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 Il~l~~l lit lllll'I11~111111'II'ill'IIII'III~IIIII'Illl~lrtlllllitl MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Psge 3 Payment Due Date: Please enter your account 07/10/08 number on all checks and correspondence. New. Balance Make check payable to $ 5,646.03 /+merican Express. 1 • I Amount enclosed Minimum AmOUnt Due See Finance Charge $113.00 section on reverse side for a description of when additional Finance Charges are not assessed nn Pi irrhaccc Mail Payment to: I"'till'Illllllll'Illlllllllll'lll'lll'llllll'l'l'lllllllllll I'I AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 Check here if your address or phone number has changed. Please note changes on reverse side. OOD0372373883451008 000564603000011300 17 ri ~~ AMERICAN 55 Blue from American Express81A Prepared For MARY E WENTWORTH r DUPLICATE COPY Account Number XXXX-XXXXX4-51008 'Memb~rshap Rewa~dsg Points Available at'06/30/OS; when Charges due are paid in full and all accounts are rn good standing. Cbsing Date 07/21/08 Page 1 of 7 New Actrvay $ Minimum inc. Ad;ustrneMe and Amount. Due $ Payment Due Date Previous Balance $ Payment ActivaY $ Finarroe Charges 'rf any New Balence$ 08/10/08 5,646.03 -150.00 +47.45 =5,543.48 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 07/21/08 5,800.00 256.52 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Turn Everyday Bills into Rewards Pay your everyday bills automatically with an eligible American Express® Card--and you can ® earn points, miles or cash back with each payment. Terms, contlitiohs and restrictions apply.- To get started, visit americanexpress. coin/bi l l stopay Act~v~ty ~ Irdicates posting date Amount $ ^D7/05/08` PAYMENT'f3ECE1VtnD.ACH~THANKYOll~ 150<00, New Activity for MARY E WENTWORTH Amounts Card XXXX-XXXXX45100t3 - 07/21/08 Periodic FINANCE CHARGE 47.45 Total of New Activity 47.45 Please fold on the perforation below, detacn and return wan your payment + Continued on Page 3 Do not staple or use paper clips Account Number Payment Due Date: Please enter your account Payment Coupon 3723-738834-51008 08/10/08 ~mberpoonden~ ecks and M 0 a `; N M N ~Il~~lttlll~l~ll~lt~tl~l~~'~'~I'I~I~1111'1'~'l~ll~l~~lltl~~llll~~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 New Balance Make check payable to ~ 5~cy~,48 American Express. Minimum Amount Due See Finance Charge $111.00 section on reverse stile for a description of when additional Finance Charges are not assessed $ on Purchases. • I Amount enclosed Mail Payment to: ~~tIII~I~II111~~I~I~tJl~~~l~1~~ll11~11~~~1111~11~1~1~1~~"Ill~ll AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 D000372373883451D08 OOD5543480000111D0 17 ri Check here if your address or phone number has changed. Please note changes on reverse side. 'DUPLICATE COPY ~g ~D°'~ Blue from Membessb~p Rewards Roirrts Available ~' American EXpreSSHM at 07/31/08, when charges due are paid in full'and all account&:are m,good standing'. - . _ __ Prepared Fa Account Nunber Cbsirg Date MARY E WENTWORTH XXXX-XXXXX4-51008 08/20/08 Page 1 of 7 Naw Actidrty $ Minimum l„~. adjustmcnta and Amount pue $ payment Due Date Previous Balance $ Payl~nt Adivdy $ Finance Chargea A any Naw Balance $ 09~09~08 5,543.48 -150.00 +45.13 5,438.61 - 1 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Gash Summary Line $ Line $ Limit $ Limit $ on 08/20/08 5,800.00 361.39 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Something Good Is Going to Happen J- MEMBERS Members Profect® is your chance to help advance the causes that matter most to you with ~ PROTECT $2.5 million in funding from American Express. Last year, American Express® Cardmembers ' ' brought clean drinking water to children across Africa. What happens this year is up to you. Submit your idea for a project that could make a difference by August 19, 2008. Whether or not yoia submit an idea," you get to vote on which projecfs win, starting September 9, 2008. -The winning projects get funding from American Express. It's easy for you to make a difference. Visit membersproject.com and learn more. Your ideas. Your decision. Our money. AC~,V'l _ ~ Indicates posllng date Amount $ Q8/d6f08* PAYMENT RECEIVED'ACH -THANK YOU 150~p0 '' New Activity for MARY E WENTWORTH Am°°°ts Card XXXX•XXXXX451008 08/20/08 Periodic FINANCE CHARGE 45.13 Total of New Activity 45.13 Please fold on the pedoralion hebw, detach and return with your payment Do not staple or use paper clips ,~„~ N,,,,,~r Payment Coupon 3723-738834-51008 lii~llluli~ll~lillluil~~~~llll~illrlil~li~liil~irllll~~uilll MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Page 3 Payment Due Date: Please enter your account 09/09/08 number on all checks and correspondence. New Balance Make check payable to $.5,438.61 American Express. Minimum Amount Due See Finance Charge $109.00 section on reverse side for a description of when additional Finance Charges are not assessed $ on Purchases. Amount enclosed Mail Payment to: 'i'11111'I'iil'1111'lli'111111'llllllllllllll'll'llllll~l~llllill AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Check here if your address or phone number has changed. Please note changes on reverse side. 0000372373883451008 000543861000010900 lt7 ri DUPLICATE COPY 8~~24 AMERtt7W 'Mer„bersilip Rewards' Blue from Popnts Avails~bie American ExpresseM at oa/alros, when charges aue are paid in full andall accounts, are in good standing. - - _ _ ___ _ Prepared For Account Number Cbsing Date MARY E WENTWORTH XXXX-XXXXX4-51008 09/19/08 Page 1 of 7 NewAotryrty$ irrc. adwaanerns and Minimum Amount Due $ payment Due Date Previous Balance $ Payment Activity $ Finance Charges it any New BalarK'a $ ~ Q/09~08 5,438.61 -200.00 +44.11 5,282.72 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 09/19/08 5,800.00 517.28 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. One click can make a difference. i~ MEMBERS ~~ ® Members Project has selected 25 projects that can make the world P~-O~~CT abetter place. We`re asking Cardmem-hers to simply vote and let us ~tmeriean Express know which ones should share $2.5 million in funding. Vote now at membersprolect.com/vote. ACy'vflty ' Irdrrates posting date Amount S 09/06/08* `PAYMENT R~CEI.VE[7 ACH ~ TMANK'i~OtJ -20D.DD New Activity for MARY E WENTWORTH AmuaMs Card XXXX-XXXXX451rx)8 09/19/08 Periodic FINANCE CHARGE `14.11 Total of New Activity ~•~ 1 Please fob on the perforation bebw, detach and return with your payment +~'iO11fInUr3C/ 011 pdg6 .3 Do not staple or use paper clips Account Number Payment Due Date: To Pay by Computer, visit: Payment Coupon 3723-738834-51008 ~p/pg/pg americanexpress.com/pbc. New Balance $5,282.72 ~~~~I~I~I~~II'1111'Illllll~l~~l~~t,l~ll~ ~~l~l~lllt~~~l~t~~ll~t~~~ MARY E WENTWORTH Minimum Amount Due $106.00 111 POPLAR RD o 0 NEW CUMBERLND PA 17070-3427 ° ' I y S I Amount enclosed 0 e N Mail Payment to: IIIIIIIIIIIIIII'~'I~IIIrlo~ili~lll'~~~II'~I~'~~I'lll~'I'1~~~1~111 AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116 -2855 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on ravPrse side. DUPLICATE COPY AlME1~WN S Blue from American Express9M --- Prepared For _ ~ ~ ~ Aabunt Number Cbsing Date MARY E WENTWORTH XXXX-XXXXX4-51008 10/20/08 ~~ ~ `Memta~frshiR Rewards Polnts Available at 09/30!08, when charges due are paid in >fulb and all accounts are In good standing, New Activity $ Minimum 'nc_ Adlushnents ~ Amount Due $ Previous Balan'.e $ Payment Adivfly $ Finance Charges if any New Balance $ 5,282.72 -150.00 +257.16 m5,389.88 Credit Line Total Credit Available Credit Cash Advance Avallabfe c:asn Summary Line $ Line $ Limit $ Limit $ on 10/20/08 5,800.00 410.12 200.00 200.00 Page 1 of 6 Payment Due Date 11 /09/08 Please refer to page 2 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Shop with Confidence Online ,,~ Don't forget to use your Card for online shopping. Shopping online is easy, .convenient and .ess saves time. You get all the same benefits and security when shopping online as you do offline ® like Purchase Protection.* And you can earn rewards for your purchases. *Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office Green Bay, WI. Coverage determined by terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. Document doesn't supplement or replace Policy. To learn more about your shopping benefits, visit americanexpress.com/online ACy'V'~ • Indicates posting date Amount $ 10106/08*' PAYMENT RECEIVED'ACH ~ THANK YOU ______. _ -150:00 New Activity for MARY E WENTWORTH Amn~~ts Card XXXX-XXXXX4510o8 __ 09/26/08 SMOKER'S EXPRESS #14NEW CUMBERLAN PALL 1.L/ 717-920-9990 10/20/08 Periodic FINANCE CHARGE 4b.tjy Total of New Activity 257.16 Ple~e told on the perforation bebw, detxh and return with your payment Do not staple or use paper clips mount Number Payment Coupon 3723-738834-51008 0 N e °e N IIIIIII~~I III'I'lllllll'lll~l~lllll IIIIIIII'I"I'I'IIII111111~111 MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Psge 3 Payment Due Date: To Pay by Computer, visit: 11109!08 americanexpress.com/pbc. New Balance $ 5,389.88 Minimum Amount Due X108.00 • I Amount enclosed Mail Payment to: I' 1 1 l' ll' I'I I I' 1111'1' I I I I I II I"III I I II'l 1 1 1 ll l"I III I'l l l l l l l l l l AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on ~rse side. DUPLICATE COPY AMERICAN RESS glue from American Express81A Prepared For MARY E WENTWORTH ~,--- Memfacra~hip Rewards' Points Available ' ' `at'10/3f/0$, when charges due are paid in fulland all accounts,are in good tanding. Account Number Closing Dale XXXX-XXXXX4-51008 11/20/08 Page 1 of 6 New Aaivay $ Minimum 'nc. Adfualn,enls ~ Amount Due $ Previous Balance $ Payment ActivUy $ Koonce Charges M any New Balance $ 5,389.88 -150.00 +45.44 5,285.32 Credit Line Total Credit Available Credit Cash Advance Available c:asn Summary Line $ Line $ Limit $ Limit $ on 11/20/08 5,800.00 514.68 200.00 200.00 Payment Due Date ~ 2/10/08 Please refer to page 2 for important information regarding your account See Page 5 For A Notice Of Changes To Your Agreement See Page 6 For A Notice Of Changes To Your Agreement To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ACy'v'L _ ' Indicates posting date Amount $ a ~y __m_ _._-___ m __ ~ _..__-____ ._~___ .. _~..._.~- ..~_"- . _ ____ _~ ..- '11/08/08*' PAYM~NTR>=CEfV~p`'ACH-TMANKYOU •150:130 New Activity for MARY E WENTWORTH ~ /Unuu°ts Card XXXX-XXXXX4-51008 11/20/08 Periodic FINANCE CHARGE 45.44 Total of New Activity 45.44 Finance Charges Billing days this period: 31 Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE$ Purchases 5,349.08 0.0274% 10.00% 9.99% 45.44 Cash Advances 0.00 0.0534% 0.00% 19.49% 0.00 45.44 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Please fold on the perforation bebw, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 Il~~l~~~ll~l~l~ll~lll~l~~l~~ll~l~ll~lllll~tll'I~'II'II'II~~~'I"~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Payment .Due Date: To Pay by Computer, visit: 12110/08 americanexpress.com/pbc. New Balance $ 5,285.32 Minimum Amount Due $106.00 Enter account number on all documents. Make check payable to American Express. Amount enclosed Mail Payment to: Ill~l~llltlll~l~'~~I'I'II~~II"I'III"'I~III~I~I~I~IIIIIII'lll'~' AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on rA^Prse side. 0000372373883451008 00052853200001060D ],7 ri AMERIt/4N 55 Blue from w American ExpresseM Prepared For MARY E WENTWORTH 'DUPL'ICATE COPY 9.,1`35 Membetrshpp Re~ttrds~' Points .Availlable ` ~'1 t 130/08, when charges;due are paid in ;,full and all accounts>.are In good standing, Account Nurnber Closing Date XXXX-XXXXX451008 12/21/08 Page 1 of 4 New Activly $ Minimum inc. Adlustnenls and Amount Due $ Previous Balance $ Payment Activity $ Finance Chargesrf any New Balance $ 5,285.32 -150.00 +44.42 =5,179.74 Credit Line Total Credit Available Credit Cash Advance Available Grin Summary Line $ Line $ Limit $ Limit $ on 12/21/06 5,400.00 220.26 200.00 200.00 Payment Due Date 01 /10/09 Please refer to page 2 for important information regarding your account Please note, your credit limit is $5,400.00 and your cash limit is $200.00. To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Activity • lydirates poslirg date nmount $ __ __.._ .~__~~_._ ..~ ...____...~_~. T~.. _._~ _._~ 1'2/066/08*T PAYMENT fiECE1VED`ACH -THANK YQtJ -150:00.: New. Activity for MARY E WENTtIUQRTH _ ~`~"~~? ~ Card XXXX-XXXXX45100t3 12/21/08 Periodic FINANCE CHARGE 44.42 Total of N®w Activity 44.42 Finance Charges Billing days this period: 31 Average Daily Daily Actual ANNUAL Nominal ANNUAL Balance $ Periodic Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE$ Purchases 5,229.52 0.0274% 10.00% 9.99% 44.42 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 44.42 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. 0 LL 0 N 0 e N Please fold on the pedoratan bebw, detach and return wdh your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 I~"I~~'I'I~~I~I'~~11'1~1~~111~~f~11f11~11~~~1~~l~~llllll~.Il"~I MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Paymtent Due Date: To Pay by Computer, visit: 01/10/09 americanexpress.com/pbc. New Balance $ 5,179.74 Minimum Amount Due $104.00 I • I Amount enclosed Enter account number on all documents. Make check payable to American Express. Mail Payment to: ~Il~ll~tt~~l~'~'~~'I"I'I~I"II"I~~~'I~~I"'I I~II~I~I~'~I~~~I'I~ AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on ~rse side. 0000372373883451008 0005179740DOD10400 17 ri gMERIOW E~5 Blue from ® American ExpressB'" DUPLICATE COPY Prepared For Account Number MARY E WENTWORTH XXXX-XXXXX4-51008 9,1` 'Membefrship' Rewards Roints Avattabite at 12/317p8, when Charges duE are paid in fulband all accounts>are in good standing; Cloeirg Date 01/20/09 Page 1 of 8 New Activel $ inc. Adjustments ayrd AmOU 't DUe Previous Balance $ Payment Actively $ Finance Charges el any New Balance $ 5,179.74 -150.00 +54.86 x5,084.60 Credit Line Total Credit Available Credit Cash Advance Available ~asn Summary Line $ Line $ Limit $ Limit $ on 01/20/09 5,400.00 315.40 200.00 200.00 Payment Due Date 02/09/09 Please refer to page 2 for important information regarding your account See Page 7 For An Important Privacy Notice To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ~/ [t Y C Complimentary Breakfast and $100 off Future Hotel Stays .~ Enjoy amplimerrfary breakfast on weekend stays at JW Mamatt~ and Renaissance Hotels and Resorts vwrldwide. Plus, receive „~r,s -. $100 off future stays at properties around the wodd.Availableyear-round when you use Blue from Arrlerican Fxpn~. __---~""~- ' I~ Simply enter code IlA)(on Mamottcom when booking. Terms, conditions and exclusions apply. ~ RM~us ~~~°'~ _. _ ~.~., Visit Matriultcomlams>Alue for more infomration. "Indicates posting date Activiity - _ _ Amount Y -_ __ _ _ _ O1fOZ/09* PAYMENT FiEGEIVED ACH -THANK YOU -150(DO' New Activity for MARY E WENTWORTH Amounts Card XXXX-XXXXX4-510013 54.86 01/20/09 Periodic FINANCE CHARGE Total of New Activity x'•86 Please fob on the peAoration below, detach and return with your payment + COntInU6CI on Page 3 Do not staple or use paper clips Account Nunber Payment Due Date: To Pay by Computer, visit: com/pbc. amertcanexpress Payment Coupon 3723-738834-51008 py09/Og . Enter account number on New Balance all documents. $ 5,084.60 Make check payable to II"'11111111111'11'I'I"'I'1111111'1111111"1'1'II'II111'II11111 American Express. MARY E WENTWORTH Minimum Amount Due $102'00 See Finance Char e s 1 1 1 POPLAR R D ide for section on reverse NEW CUMBERLND PA 17070-3427 adescriptionofwhen additional Finance $ Charges are not assessed I • I on Purchases. Amount enclosed Check here if your address or phone number has Mail Payment to: 11111'1111111~~111r1111111~~11111111 rtll~~l~ll~l1'1111'1111111~~1 changed. Note changes on ~ev,yrse side. AMERICAN EXPRESS U P.O. BOX 2855 NEW YORK NY 10116-2855 ^^^^372373883457,DD8 0005D8460000D10200 17 ri DUPLICATE COPY AMERIGW Membe-~hip Rewards Ess Blue from Points Availaiible American Express s'" at o, /3, ~o9 wnen charges due are paid in full and all accounts'ara m gaud standing, Prepared For MARY E WENTWORTH Account Number Cbsing Date XXXX-XXXXX4-51008 02/19/09 New ~~ay $ Minimum mc. Adtustrnents and Amount DUe $ Previous Balance $ Payment AGivdy $ Finance Charges it any New Balance $ 5,084.60 -125.00 +54.01 °5,013.61. Credit Line Total Credit Available Credit Cash Advance Available C:asn Summary Line $ Line $ Limit $ Limit $ on 02/19/09 5,400.00 386.39 200.00 200.00 Page 1 of 9 Payment Due Date 03/11 /09 Please refer#o ge 2 for important information regarding your account See Page 7 For A Notice Of Changes To Your Agreement To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Here's an Easy Way to Earn Rewards - Set up your wireless, cable and other household bills for automatic payment on your eligible Ess American Express® Card -Simply contact your provider or go to americanexpress.com/billstopay to learn more With automatic bill payment, avoid late fees and earn rewards while your household bills are automatically paid on your eligible Card. Not all American Express Cards are eligible to earn rewards. Terms, conditions, and restrictions apply to individual Card products. ACs'v'L _ ' Irdrates posting date Amount $ X02/07/09` PAYMENT R~CEIVEp'ACH -THANK YOU -125:D0` New Activity for MARY E WENTWORTH Amounts - Carc1 XXXX-XXXXXM51008 02/t 9/09 Periodic FINANCE CHARGE 54.0, Total of New Activity 54.01 Please told on the pedoralion below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 'I'I~'~Ill~l~~ll~lt~~t~t~tl~ll~lll~~ll~lllllll~lt~l'I~~il~ltllllt MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 New Balance $ 5,013.61 Minimum Amount Due $100.00 I ' i Amount enclosed Mail Payment to: I~'ll~~~ll~~ltlt~t~~lltlll~~~ll~l~ltt'~1'll~'I~I~"'I'~I'~I~I'lll AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 03/11!09 americanexpress.com/pbc. Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on ra^arse side. OD00372373883451D08 OD05013610D0010000 17 ri rDUPLICATE COPY Blue from American Expresss"' Prepared For MARY E WENTWORTH Account Number XXXX-XXXXX4-51008 9 3 ``;Menrh-otr'a~hip Rewalydsg fRoints Available at'.02/28/09 when charges due are paidn .full. and aIL accounts;are rn;good standing. Clcaing Date 03/22/09 Page 1 of 7 New ~"~ $ Minimum 110 Ad'uavnenta and Amount .Due $ Previous Balance $ Payment Adivfly $ Finance Charges it any New Balance $ 5,01.3.61 -.125.00 +240.64 ®5,129.25 Payment Due Date 04/11 /09 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 03/22/09 5,400.00 270.75 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Simplify Taxes with Your Online Year-End Summary ,~ Organlzing your finances can be atime-consuming task. That's why we provide aYear-End . Ess Summary of charges for.Cardmembers: At the beginning of each year, charges processed and ® posted to your account on and before December 31 will be available online. Then, you can sort your spending by category or sub-.category and review each transaction--or download your information to print or save-for a later date: With all your purchases itemized in one place, it's a great tool you can rely on to help prepare your taxes and manage your spending. Visit americanexpress.com/yearendsummary to learn more. AC~'v'L _ ~ Irdcates posting date - Amount $ 03/08/09' PAYNjENT Fi~GEIVED ACH -?HANK YOU - -125:00 New Activity for MARY E WENTWORTH Am°ant s Card XXXX-XXXXX4-51008 02/18/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 69.84 717-920-9990 _ 03/10/09 THE HOME DEPOT 4120 MECHANICSBURG 41.56 8003267990 _ 03/11/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 73:00 717-920-9990 _ 03/22/09 Periodic FINANCE CHARGE 56.24 Total of New Activity 240.64 Please fold on the perforation below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 I~I~I'1111"I'I'III'll~~ll'~I'~~I"I~'I'~~'~~II~I'~~II"~I~11'I'I MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Psge 3 Payment Due Date: To Pay by Computer, visit: .04/11/09 americanexpress.coMpbc. New Balance $ 5,129.25 Minimum Amount Due $103.00 I • I Amount enclosed Mail Payment to: ~ttllllllll'~Irl~Illlil~l~~l~~~l~lil~titl'I~III1~1'I~~I~I~It~llll AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on ra^arse side. OD00372373883451008 D0051292500007,0300 17 rl r AMERICAN 12>~RE55 glue from American ExpresssM Prepared For MARY E WENTWORTH DUPLICATE COPY a Account Number Ching Date XXXX-XXXXX4-51008 OM21/09 ,9,320 <Membership R®wards~ Points Available at 03/31/09;'when'chargesdue are paid,in #ull and all accounts aye in;good standing.. Page 1 of 7 New Aai~ny $ Minimum ;nc_ Adiuermerts and Amount Due $ Previous Balance $ Payment Activity $ Finance Charges if any New Balance $ 5,129.25 -225.00 +435.00 =5,339.25. ~ Credit Line Total Credit Available Credit Cash Advance ,vvanaole casn Summary Line $ Line $ Limit $ Limit $ on 04/21!09 5,400.00 60.75 200.00 60.75 Payment Due Date 05/11 /09 Please refer to page 2 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Activity ENT DUE A ;,H -"THANK YpU Amount S 04/19/09* ' PHONE PAYMENT RECEIVED-THANK YOU - ""''"" Total of Payment Activity -225.00 Ame~~ts New Activity for MARY E WENTWORTH Card XXXX-XXXXX4-51008 -73'.D8 04/20109' MEMBERSHIP REWARDS TRAVEL CFit=DIT Credit. Goods' and Services 03/22/09 BJ'S 025 CAMP HILL CAMP HILL 85.97 BJS CLUB 1-800-257-2582 Please bki on the perforation below, detach and return with your payment Do not staple or use paper clips ,mount Number Payment Coupon 3723-738834-51008 0 N N a N II~11111111111'll'11'11"111111111111'1111"Ili"I111111'Illll~ll MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 05/11/09 americanexpress.com/pbc. Enter account number on New Balance all documents. $ 5,339.25 Make check payable to American Express. Minimum Amount Due $107'00 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. • I Amount enclosed Mail Payment to: I"11111'11'll'I'1111'1111111""1'1'1"I'111i1111'111'1111"1111 AMERICAN EXPRESS P.0. BOX 2855 NEW YORK NY 10116-2855 Check here if your address or phone number has changed. Note changes on ravarse side. 0000372373883451008 000533925DD00107D0 17 ri ' DUPLICATE COPY AMERI Prepared For Account Number Closing Date Page 3 of 7 ~~ss MARY E WENTWORTH ~ XXXX-XXXXX4-51008 04/21/09 Amount New Activity continued 03/27/09 MCAFEE.COM 866-622-391 t 74.19 3545941 ONLINE SOFTWR Description CA, ONLINE SFTWARE 03/31/09 SMOKER'S EXPRESS#14NEW CUMBERLAN 17'69 717-920-9990 04/19/09 US AIRWAYS SAN ANTONIO TX 266.90 US AIRWAYS From: To: Carrier: Class: HARRISBURG PA PHILADELPHIA PA US KX PHOENIX AZ US KX CHARLOTTE NC US KX HARRISBURG PA US KX Ticket Number: 03774215977545 Date of Departure: 05/05 Passenger Name: WENTWORTH/MARY Document Type: PASSENGER TICKET 04/19/09 AMEX TRAVEL-ONLINE 800-256-9089 6.99 8002569089 04/21/09 Periodic FINANCE CHARGE 56.34 Total of New Activity 435.00 Finance Charles Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE Periodic FINANCE Billing days this period: 30 RATE RATE CHARGE$ Purchases 5,275.63 0.0356% 12.99% 12.99% 56.34 Cash Advances 0.00 0.0582% 0.00% 21.24% 0.00 56.34 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. o. 0 0 4 LL n 0 N O 1° N Q N ~UPL~CATE COPY 564 aeafuw Membershilp Rewards Blue from Points Available American Express"' at p4/30l09, when charges due are paid in full<and all: accounts are in,good standing: Prepared For ~ - Account Number Closing Dale MARY E WENTWORTH XXXX-XXXXX451008 05/21/09 Page 1 of 8 NewAclNity$ Minimum pa ment Due Date inc. Adjustments and Amount Due $ y previous Balance $ Payment Activity $ Finance Chargae'rf any New Balance $ 06/10/09 5,339.25 -150.00 +33.19 5,222.44 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Line $ Limit $ Limit $ Summary Line $ on 05/21/09 5,400.00 177.56 200.00 177.56 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ACy'V~ 'Irdicatespostxgdate LL Amount$ 109t^ PAYMENT REGEIVEp'ACH THANK YOU T05109 ~ -150.DD'' New Activity for MARY E WENTWORTH ~~ An,o~~ts Card XXXX-XXXXX4 51008 _ -74 19' 04/28/09 ' MCAFEE.COM '$66-622-.3911 . Credit 3638025 ONLINE SOFTW R pescription CA, ONLINE`SFTWARE _ _ _ _ _ __ - --- 05/14109 WALGREENS #0813 OOOOSUN CITY 34.28 8002892273 Description REFER TO RECEIPT 05/19!09 US AIRWAYS PHOENIX AZ 17.00 US AIRWAYS Routing Details Not Available Ticket Number: 03723497647833 Date of Departure: 05/19 Passenger Name: WENTWORTH/MARY Document Type: PASSENGER TICKET _ 05/21/09 Periodic FINANCE CHARGE 56.10 Total of New Activity 33.19 Please fold on the perforation bebw, detach and return wdh your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 ll~llililltnr~nrl~r~ll~lllllldllilllltulliril~lllini~nr~l MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 0 N m a Amount enclosed Mail Payment to: l~lllnutnlrll~llnul~llillri~iui~rllll~il~llilllilriliilll AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 N Continued on Page 3 Payment Due Date: To Pay by Computer, visit 06110/09 americanexpress.com/pbc Enter account number on New Balance all documents. $ 5~~,qq Make check payable to American Express. Minimum Amount Due $104.00 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed ~ on Purchases. Check here if your address or phone number has changed. Note changes on ravarse side. 00003723738834510D8 OD05222440D0010400 17 rl ~DUPL~CATE COPY AMERICAN E>~RE55 glue from ~~° American Expresss"' Prepared For MARY E WENTWORTH .81'5 Mamber'>`;hip Rewards® Points Available ' -af 05/31 /09; when charges due are paid in fulLand all accounts are in got?d standing,- Account Number Closing Dale XXXX-XXXXX4-51008 06/21/09 Page 1 of 7 New Actively $ Minimum N1O' Ad'uatrneMS and Amount Due $ Prevdus Balance $ Payment Activity $ Fnarrce Charges'rf any New Balance $ 5,222.44 -150.00 +264.32 =5,336.76. '~ Credit Line Total Credit Available Credit Cash Advance Avaltar~e ~asn Summary Line $ Line $ Limit $ Limit $ on 06/21!09 5,400.00 63.24 200.00 63.24 Illl~llllll~~yl~lltll~~tllll~t~~l~l~ll'~~I1~1~~I~II~I~~~JIIIII~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ~~ Complimentary Breakfast and $100 off Future Hotel Stays ' ~ ~ T , Enjoy complimentary breakfast on weekend stays and $100 off a future stay at JW Mamott®Hobels & Resorts and i ~ MAR~~ >; ' . _... Renaissarx~Hotels&f3esortswaidwide.-Bookyours~nrnorpetawaytoday!SimplyentercodeUAXwhen _-: ,~~ booking and pay with your Blue from American Express's Gsrd. ®. ~., ' - Visit Marrialtcamblueollerfor rrmre infonnation.Terms, conditions and exclusan apply. nE~~ ~,a ACt~V~ty 'Ird~calespostingdate Amount$ ~06l08/09' PAYMENT RECEIVED ACH THANK YOU -150,00: New Activity for MARY E WENTWORTH 'ott,ou~ts Card XXXX-XXXXX4-510013 06/01/09 ETM NNY5166901 800-922-0204 127.19 VZWIRELESS 06/09/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 14.12 717-920-9990 06/10/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 14.12 717-920-9990 _ 06/10/09 SMOKER'S EXPRESS #14NEW GUMBERLAN 41.00 717-920-9990 Please fold on the perforation bebw, detach and return with your payment Do not staple or use paper clips Accainl Number Payment Coupon 3723-738834-51008 0 0 N M a N Payment Due Date 07/11 /09 Please refer to page 2 for important information regarding your account Continued on Pege 3 Payment Due Date' To Pay by Computer, visit: 07/11/09 americanexpress.comlpbc. New Balance $ 5,336.76 Minimum Amount Due $107.00 I Amount enclosed Mail Payment to: ICI'~~'~I'Il~llllltt~lll~llll~l'~'~'I~IIIIII'll'~I'lllll~l"III~~ AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on rav ,arse side. 0000372373883451008 000533676000010700 17 ri • DUPLICATE COPY ANIEFIIGON Prepared For Account Number Closing Date Page 3 of 7 ss MARY E WENTWORTH ~ XXXX-XXXXX4-51008 06/21/09 Amount New Activity continued 06/16/09 SMOKER'S EXPRESS#14NEW CUMBERLAN 9'42 717-920-9990 06/21/09 Periodic FINANCE CHARGE aa.~r Total of New Activity 264.32 Finance Charges Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE Periodic FINANCE Billing days this period: 31 RATE RATE CHARGE$ Purchases 5,298.13 0.0356% 12.99% 12.99% 58.47 Cash Advances 0.00 0.0582% 0.00% 21.24% 0.00 58.47 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. 0 0 LL n O N O M a N N AMERICAN E70~RE55 glue from ~~ American ExpresseM Prepared For MARY E WENTWORTH 'DUPLICATE COPY 1Q2D ,Membership Rewards®, , Points Available • at 06/30!09; when'Charges',due are paid in fulland all,accountsare in,goodstanding, Account Nurr~er Closing Dale XXXX-XXXXX4-51008 07/21/09 New aotNnv $ Minimum 'na Adfustments and Amount Due $ Previous Balance $ Payment Activity $ Finance Charges if any New Balance $ 5,336.76 -150.00 +56..60 =5,243.36 Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 07/21/09 5,400.00 156.64 200.00 156.64 Page 1 of 6 Payment Due Date 08/10/09 Please refer to page,2 for important information regarding your account See Page 6 For A Notice Of Changes To The Membership Rewards Program Terms & Conditions To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ACt~Vt~ ~ Irdreates posting date Amount S A7/09/09'; PAYMf*NT RECFiVEp'<ACH -THANK 1'QU 450.00 ~ - .New-Activity for-.MARY-E-WENTW-ORTH Amount $ Cad XXXX-XXXXX4-51008 56.60 07/21/09 Periodic FINANCE CHARGE Total of New Activity 56.60 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Balance $ Periodic Rate PERCENTAGE PERCENTAGE Periodic FINANCE Billing days this period: 30 RATE RATE CHARGE$ Purchases 5,299.26 0.0356% 12.99% 12.99% 56.60 Cash Advances 0.00 0.0582% 0.00% 21.24% 0.00 56.60 Certain ofthe periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Please told on the perforation bebw, detach and return with your payment visit: To Pay by Computer Do not staple or use paper clips Account Number Payment Due Date: 3723-738834-51008 08/10/09 , americanexpress.com/pbc. Payment Coupon Enter account number on New Balance all documents. 5243.36 Make check payable to I~I~ttl~tttl'11'~I"III~11111'~I~"~~II'~~I~I~IIII~~~II'~I~I~'1'I American Express. MARY E WE NTWORTH Minimum Amount Due ~ 05.00 See Finance Charge 1 1 1 POPLAR R D section on reverse side for NEW CUMBERLND PA 1 7070-3427 adescriptionofwhen additional Finance Charges are not assessed ~ on Purchases. Amount enclosed Check here if your address or phone number has Mail Payment to: changed. Note changes on II~~"III'~'~~II'~I~~I~I~~~~"I'1'~~I'lllll~ll~rtll"11111~1~"' ~jrse side. AMERICAN EXPRESS U P.O. BOX 1270 NEWARK NJ 07101-1270 OOOD372373883451008 OOD524336000010500 17 rl DUPLICATE COPY i f?2D AMERICAN MBmlbarslhlp R®w8irds~ 5 Blue from Points Available ® American Express"' at o7/31 ro9,>when cnarg~ due are pala ~~ full and piI aCCOUnts>are m,good standing.. - - Prepared For Account Number MARY E WENTWORTH XXXX-XXXXX4-51008 Closing Date 08/20/09 Page 1 of 7 I~ ~ n~ Minimum payment Due Date Amount Due $ Previous Balance $ Payrc~ent Activity $ Finance Charges rf any New Balance $ 09/14/09 243.36 -150.00. +85.75 =5,179.11 5 Please refer to page 2 , for important information regarding your account Credit Line Totat Credit Available Credit Cash Advance Line $ Limit $ Li Available Cash Limit $ ne $ Summary on 08/20/09 5,400.00 220.89 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. To help you manage your finances more effectively, the Payment Due Date for your account is at least 25 days from the Closing Date. If you are enrolled in AutoPay, the date you set for automatic payment is not affected. Indicates postirp date . _ - Amount $ Activity 08/08/09* PAYMENT RE~EIV~D,ACH -THANK YOU -15Q00 New Activity for MARY E WENTWORTH Amo~~ts Cazd XXXX-XXXXX4-51008 08/06/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 3u.uu 717-920-9990 08/20/09 Periodic FINANCE CHARGE 55.75 Total of New Activity 85.75 Please fold on the pedoratbn below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 0 N 0 e N tlltl~ltltll II~~I1111'lllt~ttlt~t~~ttllllllllltt~l'lll~~~~ll'I~~~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Pege 3 Payment Due Date: To Pay by Computer, visit: 09/14!09 americanexpress.com/pbc. New Balance $ 5,179.11 Minimum Amount Due $104.00 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed ~ on Purchases. i • I Amount enclosed Check here if your address or phone number has Mail Payment to: changed. Note changes on Itttlll~l~~lll~ll~tlltl~~rlrltll~llllllt~"Ill~l~lt~~ll~lltllll~l ~jrseslde. AMERICAN EXPRESS U P.O. BOX 1270 NEWARK NJ 07101-1270 0000372373883451008 000517911000010400 17 ri DUPLICATE COPY ~ osa AMER~GIN >Memberahlp Rewards' ~~ss BIUe from Points kyallabie ° American ExpreSSBM ~ at 08/31/09,<wh6n charges due are paid in full,and aH acc4unts'areln,good standing, - - _ __ Prepared For Account Number Cbsing Dale MARY E WENTWORTH XXXX-XXXXX4-51008 09/20/09 Page 1 of 6 NewAclNdr$ Minimum pa ment Due Date inc. Adfustmems and Amount. Due $ y Previous Balance $ Payment Aclivily $ Finance Chargesrf any New Balance $ 10/15/09 5,179.11 -150.00 +56.87 =5,085.98 ~ Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Limit $ Limit $ Summary Line $ Line $ on 09/20/09 5,400.00 314.02 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. To help you manage your finances more effectively, the Payment Due Date for your account is at least 25 days from the Closing Date. If' you are enrolled in AutoPay, the date you set for automatic payment is not affected. indicates posting date - Activity Amount S .09/10!09*' PAYMENT REGEiVER ACH - THANK YOU -150.00" _ New Activity for MARY E WENTWORTH Amount S Card XXXX-XXXXX4-51008 87 56 09/20!09 Periodic FINANCE CHARGE ' Total of New Activity 56.87 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Balance $ Periodic Rate PERCENTAGE PERCENTAGE Periodic FINANCE Billing days this period: 31 RATE RATE CHARGE$ Purchases 5,153.54 0.0356% 12.99% 12.99% 56.87 Cash Advances 0.00 0.0582% 0.00% 21.24% 0.00 56.87 Certain of the periodic rates and APRs above may tie variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Please fold on the pedoratan below, detach and return with your payment + _ Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 0 0 °J e e N 11111111' I I I""111111' I' 11111111' 1' 111' ll'1111111111111111' 1111' MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Payment Due Date: To Pay by Computer, visit: 10/1 r~Og amerlcanexpress.com/pbc. New Balance $ 5,085.98 Minimum Amount Due $102.00 • I Amount enclosed Mail Payment to: 'I"11'I'll'11111"1'111111'Ii1'I'I'll'11"1'11'1"11'111'111111' AMERICAN EXPRESS P.0. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on fP^P.rse side. 0000372373883451008 000508598000010200 17 ri DUPLICATE COPY 1,050 AMERtrAN Memiaer~ship F1Rewards0 E7ff'RESS glue from Points available w American Express81A at 08130109; when oi,argeS ~I?Fx are p+ia in full and, all accounts>are m,gaod standing. Prepared For MARY E WENTWORTH Account Number XXXX-XXXXX4-51008 Closirg Date 10/20/09 Page 1 of S Newlvitively$ inc. Adjustments and Minimum pa ment Due Date y Amount Due $ Previous Balance $ Payment Actively $ Finance Charges rf any New ealaroe $ 11 /14/09 085.98 -110.00 5 +$1.065,057.04 Please refer to page 2 , for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Line $ Limit $ Available Cash Limit $ Summary Line $ on 10/20/09 5,400.00 342.96 200.00 200.00 To manage your Card account online or to pay your bill, please visit us at wvyw.americanexpress.com. For additional contact information, please see the reverse side of this page. ,.~.W .-~•- ~.;. ~Ow m0~ 8b011tVilhefe yppr • Graph and analyze your charges ~ ° - ` T .:.:money gOeS with 111e new _ • Fnd specific. purchases easily .:,-~. W Online'S~lfiernet>It • Organize your statement your vvay ~ ~~~ v. americanexpress:com/estatemeetirtfo • Keep informationfor.yourrecords -. ~ ~"'~ -~- ! I ~, Activity 'Indicates posting dale --_~ .___ Amount $ _.T ______. _______~_~___~_____ -- ~.___~ ___-__________T _~ .~ . ~ 10115/09* PA`(fril>nN7 RECEIV>;p ACH -THANK YOU 110:00;, New Activity for MARY E WENTWORTH Amo~~ts Card XXXX-XXXXX4-51008 17 80 10!01/09 SMOKER'S EXPRESS #14NEW CUMBERLAN . 717-920-9990 10/07/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 8.72 717-920-9990 10/20/09 Periodic FINANCE CHARGE 54.54 Total of New Activity 81.06 Please fold on the perforation hela~a, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 I~II~IIIIII'll~l~llll~~~l I~I~~I~~It~l~ltl~~l~~~~ltt~lltl~ll~t~ll~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Page 3 Payment Due Date' To Pay by Computer, visit 11/14/09 amertcanexpress.com/pbc Enter account number on New Balance all documents. $ 5,057.04 Make check payable to American Express. Minimum Amount Due $101'00 See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed ~ on Purchases. Amount enclosed Check here if your address or phone number has changed. Note changes on ravPrse side. Mail Payment to: III~I"I~~t~II~~~~111~111~~~1"'I'll~l'lll~~tllll~ll~~~l~llll~ltl AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 D000372373883451008 0005057040000],010D 1,7 ri `DUPLICATE COPY T.. 1,Qi77 AMERICAN Merolbersln~p IR@WAI'[tS~' 17U~RE55 glue from Points Available American Express81A at a o/31/o9;<When cnarges dtae are paid in n g. full>~and allaccountsarein goad standi Prepared For Account Number MARY E WENTWORTH XXXX-XXXXX4-51008 -- - Cbsirq Date 11/19/09 Page 1 of 9 New Activity $ inc. Adjustments and Minimum pa ment Due Date y Amount Due $ Previous Balance $ Payment Activity $ Finarroe Charges d any New Balance $ 12/14/09 057.04 -125.00 +125.32 =5,057.36 5 Please refer to page 2 , for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Line $ Line $ Limit $ Available Cash Limit $ Summary on 11 /19/09 5,400.00 342.64 200.00 200.00 See Page 7 For A Notice Of Changes To Your Agreement To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. '~ ~. ~--' --~ t~ SM --. ~ ~•C~~,. ~, f r t h e H o I i d a s Q!---1 ~ T~r Blue Deals o y ~- Whether you're shopping far the perfect gift or for yourself, use Blue DealsS"'to save every day. ATI,ANT,IS". Visit americanexpress.com/bluedeals v. ~~"~~°'~"'"' Ay . 'Indicates posting date Actw~ty Amount S f1l08/09*'> PAYMENT RECEIVED ACH -THANK YOU -125.Q0' New Activity for MARY E WENTWORTH Amo~~ts Card XXXX-XXXXX451008 87 `18 11/08/09 SMOKER'S EXPRESS #14NEW•CUMBERLAN . 717-920-9990 _ 11/10/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 5.00 717-920-9990 11/18/09 SMOKER'S EXPRESS #14NEW CUMBERLAN 8:00 717-920-9990 + COI717nU6d on Page 3 Please told on the pedoration bebw, detach and return wdh your payment __ ............ Do not staple or use paper clips Account Number Payment Due Date: To Pay by Computer, visit: com/pbc. americanexpress Payment Coupon 3723-738834-51008 . i y14/pg Enter account number on New Balance all documents. $ 5,057.36 Make check payable to IIII~1~~11~1""~'111111'~I'11111'II~~I'Iltl~~lllll~~l~lll~'II11' American Express. MARY E WE NTWORTH Minimum Amount Due See Finance Charge $101'00 1 1 1 POPLAR RD section on reverse side for o o NEW CUMBERLND PA 17070-3427 adescriptionofwhen additional Finance Charges are not assessed P h o urc ases. on I • I o Amount enclosed Check here if your address or phone number has N N Mail Payment to: changed. Note changes on III~~I~I~~~I~~~IIn~Il~iiil~Ill~i~~u~~In~~It~~IIII~iIII~~IIL~~ terse side. AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 0000372373883451008 000505736000010100 17 rl ' DUPLICATE COPY AMER~G4N Prepared For Accourd Number cros+re Dale Page 3 of 9 s MARY E WENTWORTH ~ XXXX-XXXXX4-51008 11/19/09 Amount New Activity continued 11/19/09 Periodic FINANCE CHARGE 63.45 Total of New Activity 125.32 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE$ Purchases 5,059.49 0.0418% 15.25% 15.24% 63.45 Cash Advances 0.00 0.0692% 0.00% 25.24% 0.00 63.45 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. m 0 0 a LL r 0 N O N N a N N DUPLICATE COPY AME E55 Blue from ® American ExpresseM Prepared For Account Number Closing Date MARY E WENTWORTH XXXX-XXXXX4-51008 12/20/09 Memt~ership Rewards ' Roints Available at 11/30/Q9; when charges due are paid'n fuu ands!! accounts>are In good standing. New AGivily $ Minimum '"~ Adjos°"~"~ and Amount Due $ Previous Balance $ Payment Actively $ Finance Charges el any New Balance $ 5,057.36 0.00 +121.34 =5,178.70 Credit Line Total Credit Available Credit Cash Advance Avauaofe casn Summary Line $ Line $ Limit $ Limit $ on 12/20!09 5,400.00 221.30 200.00 200.00 Page 1 of 7 Payment Due Date 01 /14/10 Minimum Amount Due includes: Past due amount $101.00 This month's amount due $104.00 Please refer to page 2 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Because your payment was received late, you may have forfeited Membership Rewards® MEMBERSHIP points. Please visit our website at americanexpress.com/rewards or call 1-800-AXP-EARN reWards° (297-3276) for mpre_information or to_reinstate points, There is a $29.00 fee for each month of points you want to reinstate. ~ WELCOMED AT A DAY SPA oR DEPARTMENT STORES. `' I REMEMBER TO USE YOUR AMERICAN EXPRESS" CARD FOR A LITTLE INDULGENCE OR TO FINISH YOUR r HOLIDAY SHOPPING AT GREAT PLACES LIKE RED DOOR SPAS, LANDS END', KOHL'S AND SPORTS AUTHORITY. EXPLORE MORE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK .COM/WELCOMEIO Act~v~ty ` Indicates posting dale Amount $ Total of Payment Activity 0.00 Please fold on the perforation below, detach and return welh your payment Do not staple or use paper clips Account Number Payment Coupon 3723-738834-51008 0 0 n 0 N 0 a N 'II"~~'III~~I~~'III III~I~IIII~~I~II~~I~II~t~I~II~I~~ll~llll'II~~ MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Psge 3 Payment Due Date: To Pay by Computer, visit: 01 /14/10 americanexpress.com/pbc. New Balance $ 5,178.70 Minimum Amount Due $205.00 • I Amount enclosed Mail Payment to: ~ItII~II~~~ll~~ll~lll~~l'ill'fl'Il~~~llltll~~t~~~l~lllll~~~~~~~ll AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on rP,^prse side. OD00372373883457,008 000517870D000205D0 17 d AMERIUW Prepared For EGRESS MARY E WENTWORTH e rDUPL'ICATE COPY account Number Cbsing Dale '~CXXX-XXXXX4-51008 12/20/09 o Page 3 of 7 New Activity for MARY E WENTWORTH wmouniy Card XXXX-XXXXX4-51008 16 10 11/20/09 SMOKER'S EXPRESS #14NEW CUMBERLAN . 717-920-9990 _ __ _ 39.00 12/16/09 Late Payment Fee _ 12/20/09 Periodic FINANCE CHARGE 66.24 Total of New Activity 121.34 Finance Charles Average Daily Daily Actual ANNUAL Nominal ANNUAL ENTAGE Periodic FINANCE Billing days this penod: 31 Balance $ Periodic Rate PERCENTAGE PERC RATE RATE CHARGE$ Purchases 5,111.69 0.0418% 15.25% 15.24% 66.24 Cash Advances 0.00 0.0692% 0.00% 25.24% 0.00 66.24 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. m 0 0 a LL r 0 N O r a N N DUPLICATE COPY ann R~ ~5 Blue from ,, American ExpresssM - - __. Prepared For Account Number MARY E WENTWORTH XXXX-XXXXX4-51008 1,. ~ Memfasrship Rewards® Pofints Available at 1.2/31 /09; when charges du$ are paid in fulCand alt account& ara In good standing, Closing Date 01/20/10 New ~~~ $ Minimum Previous Balance $ Payment Adivdy $ 1110 AdfuslmeMs ~ Finance Charges d any Now Balance $ Amount Due $ 5,178.70 0.00 +106.45 5,285.15 Credit Line Total Credit Available Credit Cash Advance Limit $ Available Cash Limit $ Summary Line $ Line $ on 01/20/10 5,400.00 114.85 200.00 114.85 Page 1 of 8 Payment Due Date 02/14/10 Minimum Amount Due includes: Past due amount $205.00 This month's amount due $106.00 Please refer to page 2 for important information regarding your account IMPORTANT NOTICE ABOUT.PRIME RATE: As a result of new federal credit card regulations, we are simplifying the way that the Prime Rate is determined for variable interest rates. Accordingly, effective April 8, 2010, the second and third sentences of the subsection about the Prime Rate in your Cardmember Agreement are deleted and replaced with: "The Prime Rate for each billing period is the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the bitting period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published." See Page 7 for important Privacy Notice and the following page for important Electronic Fund Transfer Error .Resolution -Notice - _ Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. ' Indicates postirg date Amount $ ACt1Y1~ Total of Payment Activity 0.00 New Activity for MARY E WENTWORTH AmoaMs Card XXXX-XXXXX4-51008 01/16/10 Late Payment Fee 39.00 01/20!10 Periodic FINANCE CHARGE 67.45 Total of New Activity 106.45 Please fold on the perforation below, detach and return with your payment Do not staple or use paper clips Account Nurtrer Payment Coupon 3723-738834-51008 I'I'1~11~1~~~~11'I~~I~Illll~l~l~l~~~~~l~~t~~l~ly~~~lll~~lll~~~~l MARY E WENTWORTH 111 POPLAR RD NEW CUMBERLND PA 17070-3427 Continued on Psge 3 Payment Due Date: To Pay by Computer, visit: 02/14/10 amerlcanexpress.com/pbc. New Balance $5,285.15 Minimum Amount Due $311.00 i • I Amount enclosed Enter account number on all documents. Make check payable to American Express. See Finance Charge section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or phone number has changed. Note changes on CP^prse side. Mail Payment to: ~I'11"I'1'I~'ICI'~~tll~tll~"I'~Ill~~~lr~~t~rll~'~II'll~llll~lll AMERICAN EXPRESS P.0. BOX 1270 NEWARK NJ 07101-1270 0000372373883451008 00052851500D031100 17 H SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor 0fr -F .rFRIFF s t t ? ? f_ ,. f .M i r i 3 American Express Centurion Bank Case Number vs. Mary Wentworth 2011-193 SHERIFF'S RETURN OF SERVICE 01/18/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Mary Wentworth, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Mary Wentworth. Request for service at 111 Poplar Road, New Cumberland, Pennsylvania 17070 is located in York County. SHERIFF COST: $48.30 SO ANSWERS, i January 18, 2011 RbNlSV R ANDERSON, SHERIFF ?n Gou"ITYSuite Sher;tf, r eleosoft. In, Y" Lloyd S. Markind Esquire (ID#52507) Francis J. Skinner Esquire (ID#80562) Sklar - Markind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 Attorneys for Plaintiff File No. A1000653 244ti fE? -9 P?? 1: ?9 r,UMBER??ND ANUAj? PEN?SYl. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK : No. 11-193-CIVIL Plaintiff vs. MARY WENTWORTH :CIVIL ACTION Defendant PLAINTIFF'S MOTION FOR TRANSFER OF VENUE TO YORK COUNTY Plaintiff, American Express Centurion Bank, by and through its undersigned counsel, Sklar-Markind, hereby brings the following Motion for Transfer of Venue, and avers as follows: 1. On or about January 10, 2011, Plaintiff filed its Complaint in this matter. 2. On or about January 18, 2011, the Sheriff's Office of Montgomery County attempted service of the Complaint at Plaintiff's request, however the Sheriff returned Service stating that the Defendant was unknown in that bailiwick. A true copy of the Sheriff s Return of Service is attached hereto as Exhibit "A." 3. On or about January 31, 2011 the United States Postal Service confirmed that the Defendant resides in York County. A true copy of the Postal Return is attached hereto as Exhibit "B." 4. Because the defendants reside in York County, and not Cumberland County, venue is proper in York County. 5. Plaintiff therefore moves that the Court transfer venue of the within action to York County. WHEREFORE, Plaintiff respectfully requests that this matter be transferred by the Prothonotary to York County. E'rancis J. Skinner, Esquire Attorney for Plaintiff ID #80562 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 EXHIBIT "A" Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY 4ti'kjntt:iirttrFr American Express Centurion Bank Case Number vs. Mary Wentworth 2011-193 SHERIFF'S RETURN OF SERVICE 01/18/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Mary Wentworth, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Mary Wentworth. Request for service at 111 Poplar Road, New Cumberland, Pennsylvania 17070 is located in York County. SHERIFF COST: $48.30 SO ANSWERS, January 18, 2011 RON R ANDERSON, SHERIFF uLtI EM'A JAN 21 2011 EXHIBIT "B" SKLAR - MARKIND ' ATTORNEYS AT LAW 102 Browning Lane, Building B, Suite 1 Cherry Hill, New Jersey 08003 (856) 616-8710 Tel (856) 616-8716 Fax Our File No.: A1000653 January 22, 2011 POSTMASTER NEW CUMBERLAND PA 17070 Please furnish the new address or the name and street address (if a boxholder) for the following: MARY WENTWORTH 111 POPLAR ROAD NEW CUMBERLAND PA 17070 The following information is provided in accordance with 39 CFR 265.6(d)(6)(iii). There is no fee for providing box holder information. The fee for providing change of address information is WAIVED in accordance with 39 CFR 265.6(d)(1) and (2) and corresponding Administrative Support Manual 352.44a and b. 1. Capacity of requester: Attorney for plaintiff AMERICAN EXPRESS 2. Statute or regulation that empowers me to serve process (NOT REQUIRED WHEN REQUESTOR IS AN ATTORNEY). 3. The names of the parties in litigation: AMERICAN EXPRESS CENTURION BANK vs. MARY WENTWORTH 4. The court in which the case has been or will be heard: Superior Court of New Jersey Docket No, if one has been issued: 11-193-CIVIL 6. The capacity in which this individual is to be served: Defendant(s) *********************************************************************************************** THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000 OR IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE THAN 5 YEARS OR BOTH (Title 18 U.S.C. §1001). I certify that the above information is true and that the address informa ' n is needed and will be used solely for NEW ADDRESS OR BOXHOLDERS ACTUAL ADDRESS AND PHONE NUMBER: service of legal process in connection with actual or pr ctive 1' 'ion. Andrew Sklar, Esquire AS Good as addressed Forwarding Time Expired Moved, left no forwarding Unknown at this address Other 1 ? 4 jA l ii IN THE COURT OF COMMON PLEAS OF CUMBERLAND-PA COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION BANK : No. 11-193-CIVIL Plaintiff VS. CIVIL ACTION MARY WENTWORTH Defendant CERTIFICATION OF SERVICE/COMPLIANCE Maureen McGuire-Kobie, of full age, hereby certifies as follows: 1. I am a paralegal employed with the SKLAR - MARKIND. 2. On February 2, 2011, I served copies of the Motion to Transfer Venue on defendant(s), MARY WENTWORTH , by sending them simultaneously by regular and certified mail, return receipt requested to: MARY WENTWORTH 111 POPLAR ROAD NEW CUMBERLAND PA 17070 I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment. Dated: Maureen McGuire-Kobie File No.: A1000653 _ IN THE COURT OF COMMON PLEAS OF CUMBERLAND-PA COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION :No. 11-193-CIVIL BANK Plaintiff VS. : CIVIL ACTION MARY WENTWORTH Defendant CERTIFICATION OF SERVICE/COMPLIANCE Maureen McGuire-Kobie, of full age, hereby certifies as follows: 1. I am a paralegal employed with the SKLAR - MARKIND. 2. On February 7, 2011, I served copies of the Motion to Transfer Venue on defendant(s), MARY WENTWORTH , by sending them simultaneously by regular and certified mail, return receipt requested to: MARY WENTWORTH 111 POPLAR ROAD NEW CUMBERLAND PA 17070 I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment. ? A Dated: J -}j/ Maureen McGuire-Kobie File No.: A1000653 I Lloyd S. Markind Esquire (ID#52507) Francis J. Skinner Esquire (ID#80562) Sklar - Markind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 Attorneys for Plaintiff File No. A1000653 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK : No. 11-193-CIVIL Plaintiff vs. r -? MARY WENTWORTH :CIVIL ACTION Defendant :. ORDER AND NOW, this I J day of 2010, having considered the Motion for Transfer of Venue of Plaintiff American Express Centurion Bank, it is hereby ORDERED and DECREED that Plaintiff's Motion for Transfer of Venue is hereby GRANTED; and IT IS FURTHER ORDERED that the Prothonotary shall transfer this matter with a certified copy of the docket and all pleadings filed to date to YORK COUNTY pursuant to Pa.R.C.P. 1006(c)(3.) BY THE COURT: ;Andrew Sklar, 8N. ?„ ;td Ma-y Wentworf+h . ?e C0? r? 11 o? 5